Gerald, MO—63037
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gerald, MO
As of Oct '25, the median home price in Gerald, MO is $227,000, with a year-over-year change of -0.1%. This indicates that home prices in Gerald, MO are flat. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $227,000 | -0.1% |
| Single Family | $226,000 | -0.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $205,000 | 3.5% |
3 Bed | $263,000 | 1.9% |
4 Bed | $315,000 | 2.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Gerald, MO
Gerald, MO lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Gerald, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Gerald, MO is 54. This is a decrease of -34.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $304,000 | 18.0% |
Listing Count | 8 | -38.0% |
| Listings as % of Homes | 0.3% | -38.0% |
Days on Market | 54 | -34.0% |
Demographics — Gerald, MO
As of the latest ACS Survey released in 2023, Gerald, MO has a population of 2,830, which has decreased by -4.8% over the past 5 years. Gerald, MO is a moderately popular place for families, as children make up 15.5% of the population. The area has a poorly educated workforce, with 19.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,830 | -4.8% |
% Under 18 | 15.5% | -29.9% |
% Seniors | 20.6% | 33.8% |
% WFH | 14.9% | 175.9% |
% w/ College Degree | 19.0% | 48.4% |
As of the latest ACS Survey released in 2023, Gerald, MO is a predominantly white area, with 83.0% of the population identifying as white. The white population has shrunk by 13.3% in the last 5 years. The second most common race or ethnicity in Gerald, MO is hispanic, making up 5.6% of the population. Foreign-born residents account for 1.8% of the population in Gerald, MO, and this percentage has increased by 63.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.0% | -13.3% |
% Black | 0.1% | 0.0% |
% Hispanic | 5.6% | 330.8% |
% Asian | 1.9% | 90.0% |
% Foreign Born | 1.8% | 63.6% |
Mortgage and Risk — Gerald, MO
According to HUD data as of 2023, there were 78 mortgage originations in Gerald, MO, of which 85.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Gerald, MO. Investor activity is low, as 4.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 78 |
% Conventional Loans | 85.0% |
% Government Loans | 15.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Gerald, MO
Gerald, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 2.8% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $880 |
| 2 Bedroom | N/A | N/A | $1,090 |
| 3 Bedroom | N/A | N/A | $1,410 |
| 4 Bedroom | N/A | N/A | $1,640 |
Affordability — Gerald, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $227,000 |
| Median Household Income | $59,200 |