Ballwin, Missouri.
Typical home $410,965 (+2.3% in a year), asking rent $1,741 (+5.1%). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$1,127 (+109%) since Jan 2020.
- 1 year
- Up $9,280 +2%
- $401,684$410,965 since Sep 2025
- 5 years
- Up $81,588 +25%
- $329,377$410,965 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.
- Ballwin$2,157
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Ballwin, MO rose 2.3% over the past year — faster than the nation's +1.2%.
Asking rents in Ballwin, MO rose 5.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Ballwin runs $1,268/mo more than renting one. The gap peaked at $1,349 in Oct 2023.
That is $3,010 a month against $1,741 rent: a $2,157 mortgage payment, plus $413 property tax and $440 insurance & upkeep.
Owning vs renting — Ballwin
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$3,010
- Renting$1,741
- Mortgage only$2,157
Property tax · $413/mo 1.20% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Louis County, MO
Insurance & upkeep · $440/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.
Living in Ballwin, St. Louis County, Missouri
Ballwin is a city of 31,103 people in St. Louis County. Half its households earn more than $124,626 a year and half less, against $82,936 across St. Louis County; 5% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Ballwin was 3.3% in August 2026, and St. Louis County had 1.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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. Ballwin is a city in St. Louis County where most homes are lived in by their owners, and where households earn well above the county's typical income. Poverty is low, and residents are a little older than the typical American, with a four-year degree held by most adults. Homes cost more than in much of the country, and renting is less common than across the county.
Work. Residents work mainly in schools, hospitals and social care, in professional and business services, in banks, insurance and property, and in shops. Some of the largest workplaces in Ballwin are Target, Lowe's and Schnuck Markets. Unemployment is low and has barely moved over the past year, though St. Louis County as a whole has seen slightly fewer jobs than the year before. Commutes are moderate, and a good number of residents work from home.
Things to do. Mid America Adventure, an amusement park, is a short drive away. A longer drive brings you to the Missouri Botanical Garden, the Saint Louis Zoo and the Saint Louis Art Museum. Winters are cold, with some snow, and summers are hot, with a fair amount of rain and melted snow through the year.
Report a mistake
- 12,079households
- 65%of adults have a degree
- 5%below the poverty line
- 26 mintypical commute
- 21%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Louis County had 589,803 jobs in 2025, 1.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 22°; warmest in July, with highs near 89° and lows near 69°. About 8 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Charles Ssw weather station, 6 miles away (NOAA).
Largest workplaces in Ballwin
- TargetDiscount department stores216
- Lowe's Companies, INCHomecenter133
- BallwinMail and parcel delivery123
- Schnuck MarketsSupermarket groc not convenience store93
- JWTSL Company LLC (TWC)Automobile dealers, new only or new and used74
- AT&TWired telecommunications carriers65
- Brookdale West CountyAssisted-living facilities with on-site nursing facilities55
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 759 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
- Heat wavesVery high
- HailRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- Earthquakesrelatively high in parts of BallwinRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ballwin’s census tracts, against the rest of the country; all of them together, relatively high. 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 St. Louis County and the St. Louis, MO-IL metro.
Ballwin home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ballwin$410,965
- Missouri$265,387
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Ballwin listings, and the typical home goes pending in 8 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ballwin31.21%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ballwin8
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ballwin155
New listings per month
Sellers arriving at the market.
- Ballwin70
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ballwin$380,345
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ballwin101.95%
Zip codes with a Ballwin address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ballwin — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Ballwin
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 63021 | Ballwin | 55,666 | $1,613 | $387,368 |
| 63011 | Ballwin | 35,920 | $2,129 | $437,201 |