Ferguson, Missouri.
Typical home $115,165 (-1.4% in a year), asking rent $1,351 (+8.2%). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$304 (+101%) since Jan 2020.
- 1 year
- Down $1,629 -1%
- $116,794$115,165 since Sep 2025
- 5 years
- Up $9,918 +9%
- $105,247$115,165 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.
- Ferguson$604
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 38 years.
Typical home values in Ferguson, MO fell 1.4% over the past year — slower than the nation's +1.2%.
Asking rents in Ferguson, MO rose 8.2% over the past year — faster than the nation's +2.7%.
Owning the typical home in Ferguson runs $508/mo less than renting one. The gap peaked at $523 in Jul 2026.
That is $843 a month against $1,351 rent: a $604 mortgage payment, plus $116 property tax and $123 insurance & upkeep.
Owning vs renting — Ferguson
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$843
- Renting$1,351
- Mortgage only$604
Property tax · $116/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 · $123/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 Ferguson, St. Louis County, Missouri
Ferguson is a city of 18,527 people in St. Louis County. Half its households earn more than $47,524 a year and half less, against $82,936 across St. Louis County; 24% of its people live below the poverty line. 48% of its homes are lived in by their owners and 52% are rented. 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 residents work in schools and health care, then transport and warehouses.
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. Ferguson is a small city in St. Louis County whose residents skew younger than in many American towns. Incomes here run well below the county's, and a larger share of households live below the poverty line than most would expect. Renters make up about as many households as owners, and typical homes cost less than the county as a whole. Winters are cold, with January highs near freezing, summers turn hot, and snow and rain both fall in fair measure through the year.
Work. Many residents work in schools, hospitals and social care, followed by transport, warehouses and utilities, manufacturing, and restaurants and hotels. Among the largest workplaces in Ferguson are Walmart, Sam's Club and Schnuck Markets, along with OAK Knoll Skilled Nursing & Rehabilitation Center. Fewer adults hold a four-year degree than across much of the county, and the typical commute is fairly short, though a good number of people work from home.
Things to do. A short drive takes you to Forest Park, a large city park with gardens, and to the Saint Louis Zoo and the Saint Louis Art Museum. The Missouri Botanical Garden is also a short drive away. For a longer outing, Gateway Arch National Park sits along the riverfront in downtown St. Louis.
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- 8,097households
- 21%of adults have a degree
- 24%below the poverty line
- 24 mintypical commute
- 17%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 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 Ferguson
- WalmartWarehouse clubs and supercenters276
- Sam's ClubWarehouse clubs and supercenters155
- Negwer MaterialsGypsum building products merchant wholesalers118
- Schnuck MarketsSupermarket groc not convenience store79
- Oak Knoll Skilled Nursing & Rehabilitation CenterSkilled nursing facilities70
- First Student43
- AT&TWired telecommunications carriers39
- Markos/ OwensFabricated structural metal manufacturing39
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 883 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
- Inland floodingRelatively high
- EarthquakesRelatively 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 Ferguson’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.
Ferguson home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ferguson$115,165
- Missouri$265,387
- United States$366,157
Sellers are cutting prices on about 1 in 3 Ferguson listings, and the typical home goes pending in 23 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.
- Ferguson28.67%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ferguson23
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ferguson112
New listings per month
Sellers arriving at the market.
- Ferguson30
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ferguson$101,560
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
Not enough data to draw this yet.
Zip codes with a Ferguson address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ferguson — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.