Cool Valley, Missouri.
Typical home $105,372 (+2.6% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$278 (+101%) since Jan 2020.
- 1 year
- Up $2,646 +3%
- $102,725$105,372 since Sep 2025
- 5 years
- Up $4,322 +4%
- $101,050$105,372 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.
- Cool Valley$553
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 83 years.
Typical home values in Cool Valley, MO rose 2.6% over the past year — faster than the nation's +1.2%.
Living in Cool Valley, St. Louis County, Missouri
Cool Valley is a city of 1,039 people in St. Louis County. Unemployment in St. Louis County was 4.2% in August 2026, and the county had 1.2% fewer jobs in 2025 than the year before. The most people in St. Louis County 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 It can be wrong or out of date.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. Cool Valley is a small city in St. Louis County, home to a close-knit community of residents. Homes here cost far less than is typical, and the town sits within easy reach of the rest of the St. Louis area. Winters are cold and snowy, with January the coldest month, while July brings hot summers, and rain and melted snow fall steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and shops. Across St. Louis County, some of the largest workplaces are Washington University in St Louis, The Boeing Company and Mercy Hospital - St. Louis. Most people have a fairly short trip to work, and fewer adults hold a four-year degree than is typical across the country.
Things to do. The Saint Louis Zoo and the Missouri Botanical Garden are both a short drive away, and Forest Park, a large city garden and park, is close by too. For history, Gateway Arch National Park is a short drive away, while the ancient mounds at Cahokia, an archaeological site, take a longer drive.
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- 12%of adults have a degree
- 17 mintypical commute
What people in St. Louis County 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 24°; warmest in July, with highs near 90° and lows near 71°. About 17 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Louis Lambert International Airport weather station, 4 miles away (NOAA).
Largest workplaces in St. Louis County
- Washington University in St LouisUniversity or college20,568
- The Boeing CompanyAircraft manufacturing13,947
- Graybar Electric CompanyDistribution equipment, electrical, merchant wholesalers7,787
- Specl. Sch. Dst. St. Louis CO SchoolsSchool district5,153FTE
- Mercy Hospital - St. LouisGeneral hospital5,074FTE
- Brinkmann ConstructorsCommercial building construction general contractors4,695
- Rockwood R-VI SchoolsSchool district3,388FTE
- SSM Health St. Marys Hospital - STLGeneral hospital3,059FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 995 workplaces with 20 or more staff, 186,284 people in all across the county; Cool Valley has none of its own. Colleges come from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesRelatively high
- Inland floodingRelatively high
- Earthquakesrelatively high in parts of Cool ValleyRelatively 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 Cool Valley’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.
Cool Valley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cool Valley$105,372
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cool Valley7
Zip codes with a Cool Valley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cool Valley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.