Chesterfield, Missouri.
Typical home $571,219 (+3.6% in a year), asking rent $1,680 (+5.3%). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$1,579 (+111%) since Jan 2020.
- 1 year
- Up $19,583 +4%
- $551,636$571,219 since Sep 2025
- 5 years
- Up $128,692 +29%
- $442,527$571,219 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.
- Chesterfield$2,998
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Chesterfield, MO rose 3.6% over the past year — faster than the nation's +1.2%.
Asking rents in Chesterfield, MO rose 5.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Chesterfield runs $2,503/mo more than renting one — the widest that gap has been in this data.
That is $4,183 a month against $1,680 rent: a $2,998 mortgage payment, plus $574 property tax and $612 insurance & upkeep.
Owning vs renting — Chesterfield
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$4,183
- Renting$1,680
- Mortgage only$2,998
Property tax · $574/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 · $612/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 Chesterfield, St. Louis County, Missouri
Chesterfield is a city of 49,999 people in St. Louis County. Half its households earn more than $133,037 a year and half less, against $82,936 across St. Louis County; 4% of its people live below the poverty line. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Chesterfield was 3.5% 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. Chesterfield is a city in St. Louis County with a population that has grown large enough to put it among the bigger places in the county. The people who live here are older than in many towns, and household incomes run well above the county's. Far fewer residents live below the poverty line than you might expect, and most homes are lived in by their owners rather than rented. A four-year degree is common among adults, and the typical home and the typical rent are both on the pricey side.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in banks, insurance and property, or in manufacturing. Among the largest workplaces in Chesterfield are St. Luke's Hospital, the Parkway C Schools district and Logan University. Unemployment is a little lower than it was a year ago, though across St. Louis County there were somewhat fewer jobs last year than the year before. Commutes are fairly short, and a good number of people work from home.
Things to do. The Butterfly House at the Missouri Botanical Garden is a zoo-style attraction in or beside town, and the Missouri Botanical Garden itself is a longer drive away. Also a longer drive away is the Gateway Arch, a national park and one of the best known sights in the region. The Saint Louis Art Museum is another 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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- 20,811households
- 72%of adults have a degree
- 4%below the poverty line
- 22 mintypical commute
- 27%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, 3 miles away (NOAA).
Largest workplaces in Chesterfield
- Brinkmann ConstructorsCommercial building construction general contractors4,695
- St. Lukes HospitalGeneral hospital2,475FTE
- Parkway C-2 SchoolsSchool district2,257FTE
- Automotive Product ConsultantsFinancial holding companies395
- FV OperationsContinuing care retirement communities354
- Logan UniversityUniversity or college351
- Mark AndyPrinting presses manufacturing322
- WalmartWarehouse clubs and supercenters284
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 55 workplaces with 20 or more staff, 13,169 people in all. 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
- Heat wavesVery high
- HailRelatively high
- Earthquakesrelatively high in parts of ChesterfieldRelatively moderate
- Ice stormsRelatively moderate
- Cold wavesrelatively high in parts of ChesterfieldRelatively moderate
- Winter weatherrelatively high in parts of ChesterfieldRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chesterfield’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.
Chesterfield home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Chesterfield$571,219
- 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 Chesterfield listings, and the typical home goes pending in 9 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.
- Chesterfield30.62%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Chesterfield9
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Chesterfield159
New listings per month
Sellers arriving at the market.
- Chesterfield67
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Chesterfield$555,518
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Chesterfield101.26%
Zip codes with a Chesterfield address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chesterfield — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Chesterfield
| 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 |
|---|---|---|---|---|
| 63017 | Chesterfield | 43,243 | $1,660 | $553,451 |
| 63005 | Chesterfield | 19,779 | $1,747 | $849,819 |