Gray Summit, Missouri.
Typical home $245,938 (+4.8% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$704 (+120%) since Jan 2020.
- 1 year
- Up $11,358 +5%
- $234,580$245,938 since Sep 2025
- 5 years
- Up $56,919 +30%
- $189,019$245,938 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.
- Gray Summit$1,291
- 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 Gray Summit, MO rose 4.8% over the past year — faster than the nation's +1.2%.
Living in Gray Summit, Franklin County, Missouri
Gray Summit, in Franklin County, had 3,055 people in the 2020 census. Half its households earn more than $65,667 a year and half less, against $73,165 across Franklin County; 4% of its people live below the poverty line. 75% of its homes are lived in by their owners and 25% 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 people in Franklin County 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 It can be wrong or out of date.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. Gray Summit is a small community in Franklin County, Missouri, where most homes are lived in by their owners. Household incomes run below the county's, and few residents have a four-year degree. Winters are cold, with some snow, and summers are warm, with a fair amount of rain and melted snow through the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and the building trades close behind. Across Franklin County, some of the largest workplaces are Mercy Hospital - Washington, Washington Schools and Parker Hannifin Sporlan Valve Division. The typical commute is fairly long, and some residents work from home.
Things to do. Shaw Nature Reserve, a botanical garden, lies in or beside town. A short drive away are Mid America Adventure, an amusement park, and the Bourbeuse River. Babler State Park, a protected area, is a longer drive away.
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- 1,186households
- 17%of adults have a degree
- 4%below the poverty line
- 29 mintypical commute
- 14%work from home
What people in Franklin County 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 20°; warmest in July, with highs near 88° and lows near 67°. About 8 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Washington weather station, 8 miles away (NOAA).
Largest workplaces in Franklin County
- Mercy Hospital - WashingtonGeneral hospital836FTE
- hth companiesScaffold erecting and dismantling625
- Parker Hannifin Sporlan Valve DivisionOther miscellaneous fabricated metal products471
- Washington SchoolsSchool district471FTE
- Asplundh Tree ExpertTree and brush trimming, overhead utility line448
- KDC-OneAerosol can filling on a job order or contract basis443
- WalmartWarehouse clubs and supercenters420
- East Central CollegeTwo-year college395
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 112 workplaces with 20 or more staff, 12,642 people in all across the county; Gray Summit has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. 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 high in parts of Gray SummitRelatively moderate
- Inland floodingrelatively high in parts of Gray SummitRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Gray Summit’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.
Gray Summit home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Gray Summit$245,938
- 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.
Zip codes with a Gray Summit address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Gray Summit — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.