ZIP Code 63039 — Gray Summit CDP, MO Demographics & Data

ZIP code 63039 covers Gray Summit, MO in Franklin County with a population of about 977.

At a glance, the area shows median age of 29.5 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 63039 is about $71,094 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.3%; unemployment rate near 0.0%; 12.9% of adults with a bachelor’s degree or higher (about 20.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Administrative support; about 19.2% of workers reporting work-from-home (about 4.0 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 $138,200 — about 60% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 89.0% (about 23.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 63039 in Gray Summit, MO, a household would need roughly $38,000 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 $888. That sits below the local median household income ($71,094), 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 Gray Summit CDP, MO as Relatively Moderate (composite score 83.5), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.4) and wildfire (66.7). 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 Gray Summit CDP, MO show little to no average snow and around 44.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 44 for ZIP 63039 (Gray Summit CDP, 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.