63138
Spanish Lake, Missouri.
Spanish Lake, Saint Louis County, MO · St. Louis, MO-IL metro · population 18,233
to buy the typical home at today's mortgage rate — +$406 (+105%) since Jan 2020.
- 1 year
- Up $4,411 +3%
- $146,372$150,783 since Sep 2025
- 5 years
- Up $20,740 +16%
- $130,042$150,783 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.
- 63138$791
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 23 years.
Typical home values in zip 63138 rose 3.0% over the past year — faster than the nation's +1.2%.
Asking rents in zip 63138 rose 3.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 63138 runs $145/mo less than renting one. The gap peaked at $204 in May 2025.
That is $1,104 a month against $1,249 rent: a $791 mortgage payment, plus $151 property tax and $161 insurance & upkeep.
Owning vs renting — zip 63138
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,104
- Renting$1,249
- Mortgage only$791
Property tax · $151/mo 1.20% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties
Insurance & upkeep · $161/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
This zip spans 2 counties: Saint Louis County, MO 98% · Saint Louis City, MO 2%
Zillow also publishes an index for the city itself: Spanish Lake, MO — measured over the city limits, which is a different area from this zip.
Asking rent — 63138
Against the St. Louis, MO-IL metro and the national benchmark.
- 63138$1,249
- St. Louis$1,427
- United States$1,932
Typical home value — 63138
Mid-tier homes, smoothed and seasonally adjusted.
- 63138$150,783
- St. Louis$273,164
- United States$366,157
Within 20 miles
Showing 30 of 82 zips in range — sorting picks from all 82.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.1 | 62048 | Hartford | 1,347 | — | $79,597 |
| 3.8 | 63137 | Saint Louis | 19,684 | $1,353 | $93,961 |
| 5.2 | 63033 | Florissant | 43,056 | $1,656 | $198,803 |
| 5.4 | 63386 | West Alton | 482 | — | $169,661 |
| 5.6 | 63136 | Saint Louis | 40,929 | $1,291 | $83,428 |
| 6.3 | 62087 | South Roxana | 2,181 | — | $90,073 |
| 6.6 | 63034 | Florissant | 18,908 | $2,176 | $277,298 |
| 7.0 | 62084 | Roxana | 1,631 | — | $107,144 |
| 7.2 | 63135 | Saint Louis | 18,381 | $1,401 | $110,358 |
| 7.2 | 62040 | Granite City | 40,404 | $1,162 | $122,171 |
| 7.3 | 62095 | Wood River | 10,726 | $1,156 | $132,680 |
| 7.4 | 63147 | Saint Louis | 8,173 | $925 | $59,762 |
| 7.7 | 62024 | East Alton | 9,493 | $938 | $133,873 |
| 8.6 | 63120 | Saint Louis | 6,790 | $1,148 | $36,191 |
| 8.7 | 63115 | Saint Louis | 14,488 | $952 | $38,683 |
| 8.7 | 62060 | Madison | 3,558 | — | $49,075 |
| 9.0 | 63121 | Saint Louis | 25,008 | $1,173 | $90,509 |
| 9.2 | 62018 | Cottage Hills | 3,184 | — | $107,132 |
| 9.2 | 63031 | Florissant | 50,196 | $1,569 | $177,420 |
| 9.5 | 63107 | Saint Louis | 8,909 | — | $42,631 |
| 9.6 | 63134 | Saint Louis | 13,059 | $1,331 | $111,532 |
| 10.2 | 62002 | Alton | 29,543 | $1,004 | $117,389 |
| 10.4 | 63113 | Saint Louis | 10,221 | $961 | $52,352 |
| 10.5 | 63133 | Saint Louis | 6,569 | $1,248 | $73,063 |
| 10.7 | 63042 | Hazelwood | 17,813 | $1,503 | $169,396 |
| 10.8 | 63106 | Saint Louis | 6,751 | $886 | $115,590 |
| 11.0 | 62010 | Bethalto | 11,028 | $1,083 | $204,624 |
| 11.0 | 63112 | Saint Louis | 17,985 | $1,293 | $145,407 |
| 11.3 | 63108 | Saint Louis | 21,336 | $1,664 | $313,958 |
| 11.4 | 63102 | Saint Louis | 2,882 | $1,901 | $146,883 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.