63037 ZIP Code — Gerald, MO

Franklin County, Missouri

ZIP code 63037 is located in Gerald, Missouri, within Franklin County. It covers approximately 80.36 square miles and serves a population of 2,782 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 573.

About ZIP code 63037

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $160,200. Owner-occupancy is high at 88%, well above the national average.

Median household income is $58,431. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with manufacturing as the leading industry. The average commute of 30 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (20%) compared to national benchmarks.

Overall, ZIP code 63037 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

2,782

population

80.36

sq mi land

Standard

ZIP type

Central (CT)

timezone

63037 ZIP code map

Cities in ZIP code 63037

Below are the cities the US Postal Service accepts for ZIP code 63037. Using any city not on this list may result in mail delivery delays.

City	Status
Gerald	Preferred

Nearby ZIP codes

63056 Leslie (4.8 mi) 63091 Rosebud (6.4 mi) 63013 Beaufort (8.7 mi) 63068 New Haven (9.4 mi) 65066 Owensville (10.5 mi) 63080 Sullivan (13.6 mi) 63014 Berger (14.1 mi) 63084 Union (16.1 mi) 63090 Washington (16.3 mi) 65062 Mount Sterling (16.7 mi) 63357 Marthasville (17.5 mi) 63077 Saint Clair (18.5 mi)

Demographics updated 05/2026

Population
Total population	2,782
Population density	35 / sq mi
State FIPS	29
County FIPS	071

Geography
Land area	80.36 sq mi
Water area	0.15 sq mi
Latitude	38.4215
Longitude	-91.3010
Timezone	Central (CT)
Area code	573

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.9%	41.1%	43.8%
$50k – $100k	31.3%	34.6%	31.5%
$100k – $200k	18.9%	19.8%	19.5%
Over $200k	1.9%	4.6%	5.2%

Demographics & statistics

2,782

Population

People per sq mi

49.2

Median age

$58,431

Median household income

$36,831

Per capita income

$160,200

Median home value

$688

Median monthly rent

88.0%

Home ownership

12.9%

Poverty rate

6.9%

Unemployment

1,341

Housing units

13.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

117

25–34

109

150

35–44

140

266

45–54

248

55–59

194

60–64

180

170

65–74

158

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	423	15.2%
18 and over	2,359	84.8%
65 and over	557	20.0%
Median age	49.2 years

Race & ethnicity

White 86%

Two or more races 6.5%

Hispanic or Latino 5.2%

Asian 2.1%

Black or African American 0.1%

Group	Count	%
White	2,525	86%
Two or more races	192	6.5%
Hispanic or Latino	153	5.2%
Asian	61	2.1%
Black or African American	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.9%	41.1%	43.8%
$50k – $100k	31.3%	34.6%	31.5%
$100k – $200k	18.9%	19.8%	19.5%
Over $200k	1.9%	4.6%	5.2%

Under $10k 3.4%

$10k–$15k 13.5%

$15k–$25k 7.5%

$25k–$35k 5.6%

$35k–$50k 15.1%

$50k–$75k 16.7%

$75k–$100k 13.7%

$100k–$150k 14.8%

$150k–$200k 5.8%

$200k+ 3.9%

Range	% of households
Under $10k	3.4%
$10k–$15k	13.5%
$15k–$25k	7.5%
$25k–$35k	5.6%
$35k–$50k	15.1%
$50k–$75k	16.7%
$75k–$100k	13.7%
$100k–$150k	14.8%
$150k–$200k	5.8%
$200k+	3.9%
Median income	$58,431

Housing

Home values

Under $50k 6.7%

$50k–$100k 15.8%

$100k–$150k 17.7%

$150k–$200k 27.8%

$200k–$300k 18.8%

$300k–$500k 8.2%

$500k–$1M 3.1%

$1M+ 1.8%

Housing overview

Metric	Value
Median home value	$160,200
Median rent / month	$688
Owner occupied	88.0%
Renter occupied	12.0%
Vacant	17.2%
Single-family detached	84.4%
Large apartment buildings	0.2%
Mobile homes	7.7%
Median rooms	5.5
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.3%
2010–2019	6.7%
2000–2009	9.7%
1990–1999	11.5%
1980–1989	7.9%
1970–1979	25.4%
1960–1969	11.6%
1950–1959	5.1%
1940–1949	6.5%
1939 or earlier	15.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	8.3%
2 bedrooms	30.8%
3 bedrooms	49.4%
4 bedrooms	9.5%
5+ bedrooms	1.1%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	19.8%
2 vehicles	43.8%
3 or more	33.9%

Heating fuel

Fuel type	%
Utility gas	1.0%
Electricity	55.5%
Propane / LP gas	30.7%
Fuel oil	0.2%
Wood	12.4%

Households & families

Household type	Count	%
Married-couple family	559	45.3%
Cohabiting couple	103	8.4%
Male householder, no spouse	373	30.3%
Female householder, no spouse	198	16.1%
Households with children under 18	234	19.0%
Households with seniors (65+)	374	30.3%
Average household size	2.24

Marital status

Status	Male	Female
Never married	19.2%	20.0%
Married	46.5%	53.8%
Separated	0.9%	2.3%
Widowed	15.0%	15.2%
Divorced	18.4%	8.7%

Education

Less than 9th grade 4.0%

Some HS, no diploma 10.9%

HS graduate 43.7%

Some college, no degree 20.2%

Associate's degree 7.9%

Bachelor's degree 8.0%

Graduate / professional 5.2%

Metric	%
HS diploma or higher	85.1%
Bachelor's or higher	13.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	3	0.7%
Kindergarten	31	7.3%
Elementary school	211	49.8%
High school	89	21.0%
College / grad school	90	21.2%

Employment

Industry of employment

Manufacturing 23.6%

Education & healthcare 17.6%

Transportation & utilities 10.1%

Retail trade 10.0%

Construction 9.1%

Finance & real estate 7.5%

Other services 7.1%

Professional & management 5.7%

Arts, food & hospitality 3.2%

Wholesale trade 2.7%

Agriculture & mining 1.5%

Information 0.8%

Public administration 0.8%

Occupation

Category	%
Management, business & arts	25.3%
Service	9.1%
Sales & office	25.0%
Natural resources & construction	10.5%
Production & transportation	30.1%

Employment type

Type	%
Private sector	88.7%
Government	7.4%
Self-employed	2.7%
Unpaid family workers	1.1%

Commute

Method	%
Drive alone	82.1%
Carpool	1.7%
Public transit	0.0%
Walk	2.2%
Work from home	11.8%
Other means	2.1%
Avg commute (minutes)	29.9

Poverty

All people 12.9%

Under 18 years 7.1%

18 and over 13.9%

Married-couple families 4.8%

Female-led households 11.3%

Income support

Source	% of households
Social Security	33.5%
Retirement income	23.6%
Supplemental Security	5.1%
Cash public assistance	3.4%
Food stamps / SNAP	4.9%

Health indicators

Condition	%
Obesity	31.3%
High blood pressure	32.2%
High cholesterol	36.3%
Diabetes	10.8%
Heart disease	7.2%
Stroke	3.2%
Asthma	9.2%
Arthritis	28.7%
Kidney disease	2.9%
Pulmonary disease	8.2%
Cancer	7.4%

Behavior / access	%
Smoking	20.1%
Binge drinking	17.2%
No physical activity	24.2%
Less than 7 hrs sleep	33.5%
Depression	23.3%
Fair or poor health	14.9%
Poor mental health	14.9%
Poor physical health	11.3%
No health insurance	14.8%
Visited doctor (checkup)	73.9%
Visited dentist	64.2%
Cholesterol screening	89.3%
Teeth loss	15.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	214	9.1%

Disability	%
Any disability	15.6%
Under 18	7.8%
18–64 years	11.1%
65 and over	36.9%

Health insurance coverage

Type	%
Private insurance	72.1%
Public insurance	31.1%
No insurance	7.8%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,697	96.9%
Spanish	46	1.7%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	46	1.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,713	97.5%
Born in same state	2,694	96.8%
Born in different state	2,482	89.2%
Foreign born	19	0.7%
Naturalized citizen	69	2.5%
Not a US citizen	38	55.1%

Ancestry

Ancestry	Count	%
Arab	381	13.7%
Italian	273	9.8%

Ancestry	Count	%
French	239	8.6%
English	5	0.2%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	91.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 63037

What city is ZIP code 63037 in?

ZIP code 63037 is primarily assigned to Gerald, Missouri.

What county is ZIP code 63037 in?

ZIP code 63037 falls within Franklin County, Missouri.

Is ZIP code 63037 mostly owner-occupied?

88% of occupied units in ZIP code 63037 are owner-occupied, well above the national average.

How educated is the population of ZIP code 63037?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 63037?

The median home value in ZIP code 63037 is $160,200.

Does ZIP code 63037 have a large veteran population?

9% of civilians in ZIP code 63037 are veterans, above the national average of ~7%.

What timezone is ZIP code 63037 in?

ZIP code 63037 observes the CST timezone.