Median Income
$56,250
25% lower than US avg
Home Value
$141,400
50% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
16.9%
50% lower than US avg
Median Rent
$847
27% lower than US avg
Obesity Rate
40.3%
26% higher than US avg
Unemployment
3.9%
8% higher than US avg
Poverty Rate
15.0%
21% higher than US avg
How Gerald Compares to the U.S. Average (100% = U.S. avg)
People
Population1,264
Median Age40.1 yrs
Density866/mi²
Male / Female50% / 50%
Largest GroupWhite 77%
Veterans8.7%
Economy
B
Median Income$56,250
Per Capita$29,561
Unemployment3.9%
Poverty15.0%
Commute33 min
Housing
A+
Home Value$141,400
Rent$847
Ownership66.4%
Zillow$238,423
Housing Units563
Rent Burden22.4%
Crime
C+
Violent0/100K
Property983/100K
Murder0.0/100K
Assault0/100K
Burglary378/100K
Health
Obesity40.3%
Uninsured9.2%
Smoking18.7%
Depression27.8%
Heart Disease6.0%
Climate
Avg Temp55°F (13°C)
AQI41 (Good)
Rain39.9 in/yr
Sunny Days264/yr
Elevation906 ft (276 m)
Education
C
Bachelor's+16.9%
High School+85.4%
Graduate+6.1%
School Score5.51
Community
2024 VoteR 77% / D 22%
Commute33 min
Broadband89.9%
EV Stations6
Is Gerald a Good Place to Live?
Based on current data, Gerald receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Gerald offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Gerald is $56,250, 25% below the national average of $75,149. Unemployment stands at 3.9%, indicating a healthy job market. The poverty rate of 15.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 33 minutes.
Cost of Living & Housing
The median home value in Gerald is $141,400, 50% below the national median / offering relatively affordable homeownership. Renters pay a median of $847 per month, below the national average / a plus for affordability. At just 2.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Gerald is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 983 per 100,000, 50% below the national average.
Education
16.9% of residents hold a bachelor's degree, below the national average of 33.7%. 85.4% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Gerald experiences four distinct seasons with an average temperature of 55°F. Winters average 29°F in January while summers reach 77°F in July. With 264 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 39.9 inches, including 6.9 inches of snow. Air quality is rated Good with a median AQI of 41.
Gerald has a population of 1,264 with a density of 866 people per square mile, spread across 1.5 square miles. The median age is 40.1 years, 3% older than the national median of 38.9. The gender split is 50.4% female and 49.6% male. The city is predominantly White (77%). English is the primary language spoken at home by 97.6% of residents. 8.7% of the population are veterans, above the national rate of 6.0%. 16.7% of residents have a disability (above the 13.0% national average). 87.7% have health insurance coverage.
Population
40.1yrs
Median Age
3% above US avg
Language Spoken at Home
English Only
97.6%
24% above US avg
Spanish
2.4%
82% below US avg
The median household income in Gerald is $56,250, which is 25% below the national average of $75,149. Per capita income is $29,561 (below the $39,052 national figure). The unemployment rate is 3.9% (above the 3.6% US average). 15.0% of residents live below the poverty line, higher than the national rate of 12.4%. The cost of living index is 90.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 33 minutes (longer than the 28-minute US average). 12.6% of workers work from home.
Income
| Median HH Income | $56,250 |
| 25% below US avg |
| Per Capita Income | $29,561 |
Employment & Poverty
| Unemployment | 3.9% |
| 8% above US avg |
| Poverty Rate | 15.0% |
| 21% above US avg |
Tax & Cost of Living
| |
| Cost of Living | 90.80 (100=avg) |
Commute & Transportation
| Commute Time | 32.6 min |
| Drive Alone | 79.0% |
| Public Transit | 0.0% |
| Work from Home | 12.6% |
The median home value in Gerald is $141,400, 50% below the national median of $281,900. Zillow estimates the typical home value at $238,423, higher than the Census estimate. Homes sell for 105.5% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $847 (27% below the national average of $1,163). Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 66.4% of housing units are owner-occupied. There are 563 total housing units in the city. The median year a home was built is 1975. 22.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.5x, well within the affordable range.
Home Values
| Census Median | $141,400 |
| 50% below US avg |
| Zillow ZHVI | $238,423 |
| Median List Price | $229,000 |
Real Estate Market (Redfin)
| Median List Price | $229,000 |
| $/Sq Ft | $102 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 105.5% |
| Price Drops | 50.0% |
| Inventory | 2 |
Rental Costs
| Census Median Rent | $847 |
| 27% below US avg |
| Rent Burden | 22.4% |
HUD Fair Market Rent
| Studio | $732 |
| 1 Bedroom | $775 |
| 2 Bedrooms | $970 |
| 3 Bedrooms | $1,265 |
| 4 Bedrooms | $1,457 |
Ownership & Property
| Homeownership | 66.4% |
| Owner-Occupied | 66.4% |
| Renter-Occupied | 33.6% |
| Housing Units | 563 |
| Median Year Built | 1975 |
Property Tax
In Gerald, 40.3% of adults are obese, above the national rate of 32.1%. 10.3% have diabetes. Heart disease affects 6.0% of residents. 32.8% have high blood pressure. 18.7% are current smokers (above the 14.0% national rate). 19.4% report binge drinking. 30.0% are physically inactive, above the national average. 27.8% report depression (above the 20.0% national average). 19.8% experience frequent mental distress. 9.2% of residents lack health insurance.
Health Metrics: Gerald vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.3% |
| 26% above US avg |
| Diabetes | 10.3% |
| Heart Disease | 6.0% |
| High Blood Pressure | 32.8% |
| Asthma | 11.0% |
| COPD | 8.0% |
| Cancer | 7.4% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 18.7% |
| 34% above US avg |
| Binge Drinking | 19.4% |
| Physical Inactivity | 30.0% |
| Depression | 27.8% |
| Mental Distress | 19.8% |
| Physical Distress | 14.7% |
| Short Sleep | 36.0% |
Healthcare Access
| Insurance Rate | 87.7% |
| Uninsured | 9.2% |
| 7% above US avg |
| Checkup Rate | 75.7% |
| Dental Visits | 58.0% |
Food & Exercise
Gerald has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 983 per 100,000, 50% below the U.S. average. This includes larceny/theft at 454, burglary at 378, vehicle theft at 151 per 100,000 residents. Overall, Gerald receives a safety grade of C+.
Crime Rates: Gerald vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 982.6/100K |
| 50% below US avg |
| Burglary | 377.9/100K |
| Theft | 453.5/100K |
| Vehicle Theft | 151.2/100K |
| Arson | 0.0/100K |
Traffic Safety
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Gerald experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 29°F in January while summers reach 77°F in July. The area gets 264 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 39.9 inches. The area receives 6.9 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 906 feet.
Temperature
29°F Jan (-2°C)
77°F Jul (25°C)
| Annual Average | 54.6°F |
| 1% above US avg |
| January Average | 29°F (-2°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 264 days/yr |
Geography
| Elevation | 906 ft (276 m) |
| Area | 1.5 sq mi (3.9 km²) |
| Population Density | 866/sq mi |
| Coordinates | 38.3998°N, 91.3307°W |
| Timezone | America/Chicago |
| Nearest Airport | Columbia Regional (COU)
56 miles away |
Precipitation & Snow
Annual Rainfall
39.9"
5% above US avg
Wettest Month (May)
4.61"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Earthquake History
27 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.6 on Sep 19, 2024.
| Jun 7, 2011 |
18 km NNW of Potosi, Missouri |
M3.9 |
52 km |
| Jul 31, 2005 |
Missouri |
M3.3 |
126 km |
| Aug 27, 1993 |
5 km SSE of Olympian Village, Missouri |
M3.3 |
85 km |
| Jan 21, 1992 |
5 km SE of Linn Creek, Missouri |
M3.1 |
125 km |
| Feb 8, 2004 |
6 km SSW of Stoutsville, Missouri |
M2.9 |
131 km |
| Jul 8, 2003 |
1 km N of Leasburg, Missouri |
M2.9 |
32 km |
| May 18, 2006 |
9 km SSE of De Soto, Missouri |
M2.9 |
80 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
74 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
80 km |
| Sep 13, 1997 |
3 km SSE of Darmstadt, Illinois |
M2.8 |
142 km |
| Jul 31, 1995 |
8 km SSW of Caledonia, Missouri |
M2.8 |
91 km |
| Jul 15, 1990 |
7 km SW of Potosi, Missouri |
M2.7 |
72 km |
| Jul 22, 1998 |
12 km NE of Mine La Motte, Missouri |
M2.7 |
128 km |
| Nov 12, 1996 |
15 km SSE of Olympian Village, Missouri |
M2.7 |
93 km |
| Nov 5, 1996 |
11 km SW of Marquand, Missouri |
M2.7 |
148 km |
| Sep 5, 2015 |
5 km SE of High Ridge, Missouri |
M2.7 |
74 km |
| Sep 20, 1997 |
6 km NE of Ellington, Missouri |
M2.6 |
129 km |
| Feb 3, 2014 |
18 km NW of Potosi, Missouri |
M2.6 |
51 km |
| Nov 25, 2013 |
8 km NE of Bonne Terre, Missouri |
M2.6 |
88 km |
| Mar 7, 2009 |
7 km S of Miramiguoa Park, Missouri |
M2.6 |
34 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
437 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 55 fatalities, 957 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 22, 2011 |
EF4 |
82 km |
0 |
| Jun 22, 1969 |
EF4 |
54 km |
2 |
| Dec 21, 1967 |
EF4 |
82 km |
3 |
| Jan 24, 1967 |
EF4 |
75 km |
3 |
| Feb 10, 1959 |
EF4 |
65 km |
21 |
| Feb 24, 1956 |
EF4 |
36 km |
6 |
| Dec 10, 2021 |
EF3 |
43 km |
1 |
| May 31, 2013 |
EF3 |
60 km |
0 |
| Dec 31, 2010 |
EF3 |
76 km |
1 |
| Dec 31, 2010 |
EF3 |
66 km |
2 |
| Jan 7, 2008 |
EF3 |
85 km |
0 |
| Jan 7, 2008 |
EF3 |
82 km |
0 |
| Mar 13, 2006 |
EF3 |
72 km |
0 |
| Mar 13, 2006 |
EF3 |
50 km |
0 |
| Mar 11, 2006 |
EF3 |
93 km |
0 |
| Jun 1, 1999 |
EF3 |
54 km |
0 |
| Nov 15, 1988 |
EF3 |
71 km |
0 |
| Apr 29, 1984 |
EF3 |
71 km |
0 |
| May 1, 1983 |
EF3 |
52 km |
0 |
| Apr 22, 1981 |
EF3 |
77 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: ELM SPRINGS RX (4,378 ac, 2023).
| Year |
Name |
Acres |
Distance |
| 2023 |
ELM SPRINGS RX |
4,378 |
86 km |
| 2022 |
SMITH MILL HOLLOW |
3,978 |
57 km |
| 2021 |
KAINTUCK |
3,325 |
81 km |
| 2021 |
COUNCIL BLUFF |
3,035 |
83 km |
| 2024 |
COUNCIL BLUFF WEST RX |
2,846 |
83 km |
| 2005 |
UNNAMED |
2,831 |
81 km |
| 2005 |
UNNAMED |
2,751 |
76 km |
| 2019 |
UNNAMED |
2,688 |
54 km |
| 2010 |
COUNCIL BLUFF LAKE |
2,651 |
84 km |
| 2006 |
UNNAMED |
2,512 |
84 km |
| 2024 |
KAINTUCK SOUTH RX |
2,387 |
84 km |
| 2014 |
UNNAMED |
2,090 |
84 km |
| 2021 |
BEAR PAW |
2,080 |
71 km |
| 2024 |
BEAR PAW RX |
2,067 |
71 km |
| 2004 |
CICERO CREEK |
1,846 |
49 km |
| 2021 |
BERRYMAN BLOCK B AND C |
1,728 |
56 km |
| 2014 |
UNNAMED |
1,678 |
100 km |
| 2023 |
MERRILL HOLLOW RX |
1,641 |
79 km |
| 2015 |
UNNAMED |
1,586 |
77 km |
| 2010 |
DELBRIDGE SOUTH |
1,574 |
77 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-2°C) |
1.9 in |
Coldest, Driest |
| February |
35°F (1°C) |
2.1 in |
|
| March |
44°F (7°C) |
3.5 in |
|
| April |
55°F (13°C) |
3.7 in |
|
| May |
64°F (18°C) |
4.6 in |
Wettest |
| June |
72°F (22°C) |
3.9 in |
|
| July |
77°F (25°C) |
3.6 in |
Warmest |
| August |
76°F (24°C) |
3.4 in |
|
| September |
68°F (20°C) |
3.7 in |
|
| October |
57°F (14°C) |
3.3 in |
|
| November |
45°F (7°C) |
3.4 in |
|
| December |
34°F (1°C) |
2.9 in |
|
Gerald has a seasonal temperature swing of 48°F / from 29°F in January to 77°F in July. Total annual precipitation is 39.9 inches, with May being the wettest month (4.6") and January the driest (1.9").
Average costs for common services in Gerald. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$227 ($136–$363) |
| Specialist Visit |
$318 ($182–$499) |
| Urgent Care Visit |
$182 ($91–$318) |
| Emergency Room Visit |
$1,998 ($726–$4,540) |
| Dental Cleaning |
$118 ($68–$182) |
| Dental Filling |
$227 ($136–$363) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$109) |
| Brake Pad Replacement |
$272 ($136–$454) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$545 ($363–$908) |
| Battery Replacement |
$182 ($91–$318) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$91 ($54–$136) |
| Electrician (Per Hour) |
$82 ($45–$127) |
| HVAC Repair |
$363 ($136–$726) |
| HVAC System Install |
$6,356 ($3,632–$10,896) |
| Roof Repair |
$908 ($363–$1,816) |
| Roof Replacement |
$8,172 ($4,994–$13,620) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,362 ($454–$3,178) |
| Divorce (Contested) |
$13,620 ($4,540–$27,240) |
| DUI Defense |
$4,540 ($1,816–$9,080) |
| Bankruptcy (Chapter 7) |
$1,362 ($726–$2,724) |
| Will Preparation |
$454 ($182–$908) |
| Trust Preparation |
$2,270 ($908–$4,540) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$91) |
| Hair Coloring (Full) |
$136 ($68–$227) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$73 ($45–$118) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.72 ($2.72–$4.99) |
| Dozen Eggs (per dozen) |
$3.18 ($2.27–$4.54) |
| Loaf of Bread |
$3.45 ($2.27–$4.99) |
| Chicken Breast (per lb) |
$4.09 ($2.72–$5.90) |
| Ground Beef (per lb) |
$4.99 ($3.63–$6.81) |
| Rice (per lb) |
$0.91 ($0.54–$1.63) |
View all 20 services
Utilities
| Electricity (Monthly) |
$127 ($73–$227) |
| Natural Gas (Monthly) |
$64 ($27–$136) |
| Water/Sewer (Monthly) |
$64 ($36–$109) |
| Internet (Monthly) |
$64 ($36–$91) |
| Cell Phone Plan (Monthly) |
$59 ($27–$91) |
| Cable TV (Monthly) |
$77 ($45–$136) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$182 ($68–$454) |
| Car Insurance (Annual) |
$1,816 ($1,090–$3,178) |
| Bus Pass (Monthly) |
$64 ($27–$118) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.26–$23) |
| Car Registration (Annual) |
$91 ($27–$227) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,090 ($545–$2,270) |
| Daycare (Toddler, Monthly) |
$908 ($454–$1,816) |
| After-School Care (Monthly) |
$363 ($182–$636) |
| Tutoring (Per Hour) |
$45 ($23–$91) |
| SAT/ACT Prep Course |
$908 ($363–$2,270) |
| Private School (K-12, Annual) |
$11,350 ($4,540–$27,240) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$91) |
| Dog Vaccination (Annual) |
$91 ($45–$182) |
| Dog Grooming |
$54 ($27–$91) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$272 ($136–$454) |
| Cat Spay/Neuter |
$182 ($91–$363) |
View all 9 services
Frequently Asked Questions About Gerald
What is the population of Gerald?
Gerald has a population of 1,264 residents and is located in Missouri. The population density is 866 people per square mile, spread across 1.5 square miles. The median age of residents is 40.1 years. The population is 50.4% female and 49.6% male.
Is Gerald expensive to live in?
Gerald is more affordable than the national average, with a cost of living index of 90.8 / below the baseline of 100. The median household income is $56,250, 25% below the national average of $75,149. The median home value is $141,400 (50% below the U.S. median). Renters pay a median of $847 per month, below the national average of $1,163. The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
Is Gerald safe?
Gerald is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 983 per 100,000 (below the national average). Overall, Gerald receives a safety grade of C+ based on combined crime data.
What is the weather like in Gerald?
Gerald has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 29°F in January, while summers reach an average of 77°F in July. The area receives 264 sunny days per year, well above the national average of 205. Annual rainfall totals 39.9 inches, with 6.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Gerald?
Gerald has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average commute time is 33 minutes, and 12.6% of workers work from home.
How much does housing cost in Gerald?
The median home value in Gerald is $141,400. Zillow estimates the typical home value at $238,423. For renters, the median monthly rent is $847. Fair market rent is $775 for a 1-bedroom and $970 for a 2-bedroom apartment. The homeownership rate is 66.4%.
How are the schools in Gerald?
Schools in Gerald score 5.5 out of 10 on standardized testing, near the national average. 16.9% of adults in Gerald hold a bachelor's degree or higher, below the national average of 33.7%. 85.4% have completed high school. 6.1% hold a graduate or professional degree.
How healthy is Gerald?
The obesity rate in Gerald is 40.3% (above the national rate of 32.1%). 18.7% of adults are smokers. 30.0% are physically inactive. 27.8% of residents report depression. 9.2% lack health insurance.
What is transportation like in Gerald?
The average commute in Gerald is 33 minutes, longer than the national average of 28 minutes. 79% of workers drive alone to work, and 12.6% work from home.
What are the demographics of Gerald?
The racial and ethnic makeup of Gerald is 77% White, 0.8% Hispanic or Latino. 97.6% of residents speak only English at home. 8.7% of the population are military veterans. 16.7% of residents have a disability. 87.7% have health insurance coverage.
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