ZIP Code 63021 — Ballwin city, MO Demographics & Data

ZIP code 63021 covers Ballwin, MO in St. Louis County with a population of about 56,297.

At a glance, the area shows median age of 40.4 versus a U.S. median of about 38.9.

It sits in telephone area code 636; U.S. House district MO-2; the ST. LOUIS media market.

Median household income in ZIP 63021 is about $113,822 — about 51% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 3.4%; 62.1% of adults with a bachelor’s degree or higher (about 28.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 17.3% of workers reporting work-from-home (about 2.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $324,300 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,204 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63021 in Ballwin, MO, a household would need roughly $89,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,083. That sits below the local median household income ($113,822), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Ballwin city, MO as Relatively High (composite score 98.7), which is among the highest nationally. The strongest component scores on US5 are flood (97.0) and hurricane (32.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Ballwin city, MO show little to no average snow and around 42.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,545 for ZIP 63021 (Ballwin city, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.