Gerald, Missouri.
Typical home $246,839 (+7.1% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$741 (+134%) since Jan 2020.
- 1 year
- Up $16,316 +7%
- $230,523$246,839 since Sep 2025
- 5 years
- Up $56,293 +30%
- $190,546$246,839 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Gerald$1,296
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Gerald, MO rose 7.1% over the past year — faster than the nation's +1.2%.
Living in Gerald, Franklin County, Missouri
Gerald is a city of 1,361 people in Franklin County. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Franklin County was 3.6% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Gerald is a small city in Franklin County, Missouri, where most homes are lived in by their owners. Incomes in town run below the county's, and a share of residents live below the poverty line. Few adults hold a four-year degree, and the commute to work is a fairly long one for many people.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, banking and insurance, and shops also employing many. Gerald Industries, which makes dispensing and measuring pumps, Caparo, which makes tube from purchased iron or steel, and Newly Weds Foods, which grinds and blends spices, are among the largest workplaces in town. Jobs across Franklin County grew slightly last year, and unemployment there has eased a little from a year earlier.
Things to do. Opossum Creek runs in or beside town, and several other creeks and forks, such as Clates Creek and Barren Fork, are a short drive away. Farther afield, Meramec Caverns is a well-known tourist attraction and Onondaga Cave State Park is a protected area, both a longer drive away. Winters are cold, with some snow, and summers are warm, with a fair amount of rain through the year.
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- 530households
- 16%of adults have a degree
- 14%below the poverty line
- 28 mintypical commute
- 11%work from home
What residents work in
Employed residents by industry, from the Census survey. Franklin County had 39,757 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 18°; warmest in July, with highs near 87° and lows near 64°. About 14 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Rosebud weather station, 4 miles away (NOAA).
Largest workplaces in Gerald
- Gerald IndustriesDispensing and measuring pumps manufacturing184
- CaparoTube made from purchased iron or steel73
- Newly Weds FoodsSpice grinding and blending67
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 324 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- Heat wavesRelatively high
- HailRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gerald’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Franklin County and the St. Louis, MO-IL metro.
Gerald home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gerald$246,839
- Missouri$265,387
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Gerald10
Zip codes with a Gerald address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gerald — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.