Herculaneum, Missouri.
Typical home $299,856 (+4.9% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$905 (+135%) since Jan 2020.
- 1 year
- Up $13,957 +5%
- $285,899$299,856 since Sep 2025
- 5 years
- Up $78,909 +36%
- $220,947$299,856 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.
- Herculaneum$1,574
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Herculaneum, MO rose 4.9% over the past year — faster than the nation's +1.2%.
Living in Herculaneum, Jefferson County, Missouri
Herculaneum is a city of 4,672 people in Jefferson County. Half its households earn more than $93,438 a year and half less, against $82,851 across Jefferson County; 6% of its people live below the poverty line. 91% of its homes are lived in by their owners and 9% are rented. Unemployment in Jefferson County was 3.6% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Herculaneum is a small city on the Mississippi side of Jefferson County, and most of the homes there are lived in by their owners. Households earn more than the county's typical household, and fewer people live below the poverty line than you might expect for a place this size. Home values sit comfortably above what many families across the country pay. The population is on the older side, and winters are cold, with some snow, while summers turn properly hot.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, professional and business services, and restaurants and hotels also employing many people. Across Jefferson County, some of the largest workplaces are FOX C Schools, Mercy Hospital Jefferson and Northwest R-I Schools. Fewer adults hold a four-year degree than in many places, and the typical commute is fairly long, though some people work from home.
Things to do. The Meramec River is a short drive away and is the nearest spot for time outdoors. A longer drive brings you into St. Louis, where the Gateway Arch National Park, the Saint Louis Zoo and the Saint Louis Art Museum are among the best-known places to visit.
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- 1,865households
- 23%of adults have a degree
- 6%below the poverty line
- 29 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Jefferson County had 49,584 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 22°; warmest in July, with highs near 88° and lows near 67°. About 9 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Festus weather station, 2 miles away (NOAA).
Largest workplaces in Jefferson County
- Fox C-6 SchoolsSchool district1,144FTE
- Mercy Hospital JeffersonGeneral hospital962FTE
- Northwest R-I SchoolsSchool district894FTE
- WalmartWarehouse clubs and supercenters572
- WalmartWarehouse clubs and supercenters530
- Jefferson CollegeTwo-year college467
- Hillsboro R-iii SchoolsSchool district411FTE
- WalmartWarehouse clubs and supercenters378
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 91 workplaces with 20 or more staff, 9,648 people in all across the county; Herculaneum has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) 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
- Strong windRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Cold wavesRelatively high
- HailRelatively moderate
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Herculaneum’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Jefferson County and the St. Louis, MO-IL metro.
Herculaneum home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Herculaneum$299,856
- 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.
- Herculaneum13
New listings per month
Sellers arriving at the market.
- Herculaneum7
Zip codes with a Herculaneum address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Herculaneum — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.