62640 ZIP Code — Girard, IL

Macoupin County, Illinois

ZIP code 62640 is located in Girard, Illinois, within Macoupin County. It covers approximately 74.62 square miles and serves a population of 3,273 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 217.

About ZIP code 62640

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $159,000. Owner-occupancy is high at 78%, well above the national average.

Median household income is $65,000. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 62640 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

3,273

population

74.62

sq mi land

Standard

ZIP type

Central (CT)

timezone

62640 ZIP code map

Cities in ZIP code 62640

Below are the cities the US Postal Service accepts for ZIP code 62640. Using any city not on this list may result in mail delivery delays.

City	Status
Girard	Acceptable
Girard	Preferred

Nearby ZIP codes

62690 Virden (7.9 mi) 62572 Waggoner (9 mi) 62626 Carlinville (10.1 mi) 62674 Palmyra (10.5 mi) 62533 Farmersville (10.7 mi) 62667 Modesto (11.5 mi) 62615 Auburn (11.8 mi) 62530 Divernon (13.3 mi) 62560 Raymond (13.6 mi) 62692 Waverly (14.4 mi) 62649 Hettick (14.8 mi) 62538 Harvel (15.8 mi)

Demographics updated 05/2026

Population
Total population	3,273
Population density	44 / sq mi
State FIPS	17
County FIPS	117

Geography
Land area	74.62 sq mi
Water area	0.75 sq mi
Latitude	39.4157
Longitude	-89.8131
Timezone	Central (CT)
Area code	217

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.8%	44.1%	37.2%
$50k – $100k	32.6%	32.8%	29.6%
$100k – $200k	21.4%	20.9%	24.4%
Over $200k	1.1%	2.2%	8.8%

Demographics & statistics

3,273

Population

People per sq mi

46.2

Median age

$65,000

Median household income

$29,654

Per capita income

$159,000

Median home value

$850

Median monthly rent

77.8%

Home ownership

14.3%

Poverty rate

6.3%

Unemployment

1,288

Housing units

15.8%

Bachelor's or higher

Age distribution

Male Female

100

Under 5

103

5–9

101

10–14

103

15–19

106

20–24

108

184

25–34

189

152

35–44

157

190

45–54

196

114

55–59

117

142

60–64

145

259

65–74

267

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	642	19.6%
18 and over	2,631	80.4%
65 and over	768	23.5%
Median age	46.2 years

Race & ethnicity

White 93.7%

Two or more races 4.1%

Hispanic or Latino 1.9%

Native Hawaiian / Pacific Islander 0.2%

Other race 0.1%

Group	Count	%
White	3,126	93.7%
Two or more races	137	4.1%
Hispanic or Latino	62	1.9%
Native Hawaiian / Pacific Islander	6	0.2%
Other race	4	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.8%	44.1%	37.2%
$50k – $100k	32.6%	32.8%	29.6%
$100k – $200k	21.4%	20.9%	24.4%
Over $200k	1.1%	2.2%	8.8%

Under $10k 4.1%

$10k–$15k 3.1%

$15k–$25k 9.8%

$25k–$35k 10.9%

$35k–$50k 12.7%

$50k–$75k 12.7%

$75k–$100k 11.2%

$100k–$150k 22.1%

$150k–$200k 10.9%

$200k+ 2.4%

Range	% of households
Under $10k	4.1%
$10k–$15k	3.1%
$15k–$25k	9.8%
$25k–$35k	10.9%
$35k–$50k	12.7%
$50k–$75k	12.7%
$75k–$100k	11.2%
$100k–$150k	22.1%
$150k–$200k	10.9%
$200k+	2.4%
Median income	$65,000

Housing

Home values

Under $50k 5.1%

$50k–$100k 23.2%

$100k–$150k 17.7%

$150k–$200k 20.0%

$200k–$300k 19.4%

$300k–$500k 9.6%

$500k–$1M 4.4%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$159,000
Median rent / month	$850
Owner occupied	77.8%
Renter occupied	22.2%
Vacant	23.5%
Single-family detached	88.3%
Large apartment buildings	2.4%
Mobile homes	3.1%
Median rooms	6.1
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.0%
2010–2019	6.5%
2000–2009	5.9%
1990–1999	10.9%
1980–1989	10.3%
1970–1979	17.5%
1960–1969	5.4%
1950–1959	8.8%
1940–1949	5.5%
1939 or earlier	29.2%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	4.0%
2 bedrooms	28.9%
3 bedrooms	41.5%
4 bedrooms	16.8%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.4%
1 vehicle	24.7%
2 vehicles	42.0%
3 or more	28.9%

Heating fuel

Fuel type	%
Utility gas	47.1%
Electricity	21.4%
Propane / LP gas	28.3%
Wood	2.5%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	699	58.8%
Cohabiting couple	133	11.2%
Male householder, no spouse	127	10.7%
Female householder, no spouse	229	19.3%
Households with children under 18	344	29.0%
Households with seniors (65+)	512	43.1%
Average household size	2.74

Marital status

Status	Male	Female
Never married	31.5%	27.9%
Married	54.1%	49.9%
Separated	0.9%	0.8%
Widowed	2.5%	6.8%
Divorced	11.0%	14.5%

Education

Less than 9th grade 2.8%

Some HS, no diploma 5.7%

HS graduate 42.4%

Some college, no degree 22.4%

Associate's degree 10.8%

Bachelor's degree 10.5%

Graduate / professional 5.3%

Metric	%
HS diploma or higher	91.5%
Bachelor's or higher	15.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	8.3%
Kindergarten	29	4.7%
Elementary school	287	46.7%
High school	115	18.7%
College / grad school	133	21.6%

Employment

Industry of employment

Education & healthcare 30.2%

Retail trade 14.6%

Manufacturing 8.1%

Arts, food & hospitality 7.6%

Public administration 7.5%

Construction 6.3%

Finance & real estate 5.8%

Agriculture & mining 4.8%

Professional & management 4.5%

Wholesale trade 3.9%

Other services 3.7%

Transportation & utilities 2.9%

Information 0.2%

Occupation

Category	%
Management, business & arts	38.4%
Service	19.2%
Sales & office	17.8%
Natural resources & construction	8.9%
Production & transportation	15.6%

Employment type

Type	%
Private sector	75.6%
Government	19.5%
Self-employed	4.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.5%
Carpool	7.1%
Public transit	0.0%
Walk	4.5%
Work from home	9.6%
Other means	0.4%
Avg commute (minutes)	31.2

Poverty

All people 14.3%

Under 18 years 16.5%

18 and over 13.8%

Married-couple families 3.9%

Female-led households 50.0%

Income support

Source	% of households
Social Security	47.1%
Retirement income	32.0%
Supplemental Security	5.8%
Cash public assistance	1.8%
Food stamps / SNAP	16.4%

Health indicators

Condition	%
Obesity	37.2%
High blood pressure	35.6%
High cholesterol	34.7%
Diabetes	11.2%
Heart disease	7.8%
Stroke	3.6%
Asthma	9.7%
Arthritis	30.2%
Kidney disease	3.3%
Pulmonary disease	8.4%
Cancer	7.9%

Behavior / access	%
Smoking	18.8%
Binge drinking	14.3%
No physical activity	26.6%
Less than 7 hrs sleep	31.8%
Depression	17.9%
Fair or poor health	15.6%
Poor mental health	12.8%
Poor physical health	11.0%
No health insurance	10.0%
Visited doctor (checkup)	77.8%
Visited dentist	63.1%
Cholesterol screening	90.5%
Teeth loss	15.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	165	6.3%

Disability	%
Any disability	22.0%
Under 18	6.1%
18–64 years	23.0%
65 and over	33.0%

Health insurance coverage

Type	%
Private insurance	62.7%
Public insurance	56.4%
No insurance	2.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,070	93.8%
Spanish	9	0.3%
Other Indo-European	4	0.1%
Asian & Pacific Islander	5	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,255	99.5%
Born in same state	3,255	99.5%
Born in different state	2,822	86.2%
Foreign born	0	0.0%
Naturalized citizen	18	0.5%
Not a US citizen	12	66.7%

Ancestry

Ancestry	Count	%
French	648	19.8%
Italian	392	12%
Arab	172	5.3%
Dutch	16	0.5%

Ancestry	Count	%
English	13	0.4%
Norwegian	11	0.3%
Irish	7	0.2%
German	3	0.1%

Technology access

Metric	% of households
Computer access	36.3%
Internet access	90.9%

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

Frequently asked questions about ZIP code 62640

What city is ZIP code 62640 in?

ZIP code 62640 is primarily assigned to Girard, Illinois.

What county is ZIP code 62640 in?

ZIP code 62640 falls within Macoupin County, Illinois.

Does ZIP code 62640 have a large retiree population?

47% of households in ZIP code 62640 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 62640?

The median home value in ZIP code 62640 is $159,000.

What is the population of ZIP code 62640?

ZIP code 62640 has an estimated population of 3,273 residents, with a density of 44 people per square mile.

What is the median household income in ZIP code 62640?

The median household income in ZIP code 62640 is $65,000, below the national median of ~$75,000.

What timezone is ZIP code 62640 in?

ZIP code 62640 observes the CST timezone.