O Fallon, Missouri.
Typical home $378,128 (+1.9% in a year), asking rent $1,831 (+2.3%). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$1,035 (+109%) since Jan 2020.
- 1 year
- Up $6,960 +2%
- $371,168$378,128 since Sep 2025
- 5 years
- Up $68,311 +22%
- $309,816$378,128 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.
- O Fallon$1,985
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in O Fallon, MO rose 1.9% over the past year — faster than the nation's +1.2%.
Asking rents in O Fallon, MO rose 2.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in O Fallon runs $901/mo more than renting one. The gap peaked at $1,017 in Oct 2023.
That is $2,731 a month against $1,831 rent: a $1,985 mortgage payment, plus $342 property tax and $405 insurance & upkeep.
Owning vs renting — O Fallon
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$2,731
- Renting$1,831
- Mortgage only$1,985
Property tax · $342/mo 1.08% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Charles County, MO
Insurance & upkeep · $405/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 O Fallon, St. Charles County, Missouri
O Fallon is a city of 91,316 people in St. Charles County. Half its households earn more than $110,443 a year and half less, against $104,692 across St. Charles County; 5% of its people live below the poverty line. 81% of its homes are lived in by their owners and 19% are rented. Unemployment in O Fallon was 3.0% in August 2026, and St. Charles County had about as many jobs in 2025 as 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. O Fallon is a suburban city in St. Charles County, home to a large population for the region. Households earn more than the county's typical household, and the share of people living below the poverty line is small. Most homes are lived in by their owners, and a good many adults hold a four-year degree. Winters are cold, with some snow, and summers turn hot.
Work. Residents work mostly in schools, hospitals and social care, with many others in manufacturing, professional and business services, and banks, insurance and property. Among the largest workplaces in O Fallon are the Francis Howell R-III Schools, the Fort Zumwalt School District and Progress West Hospital. Unemployment is low and a little lower than a year ago, and a fair number of people work from home.
Things to do. A short drive away is the August A. Busch Memorial Conservation Area, a protected area for time outdoors. A longer drive brings you into St. Louis, where the Saint Louis Zoo, the Saint Louis Art Museum and Forest Park are among the better-known places to spend a day. The Missouri Botanical Garden is also a longer drive away.
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- 35,471households
- 43%of adults have a degree
- 5%below the poverty line
- 26 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Charles County had 162,655 jobs in 2025, about as many as the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 21°; warmest in July, with highs near 88° and lows near 67°. About 14 inches of snow and 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Weldon Spring Weather Service weather station, 6 miles away (NOAA).
Largest workplaces in O Fallon
- Francis Howell R-iii SchoolsSchool district2,683FTE
- Fort Zumwalt School DistrictSchool district2,094FTE
- SAK ConstructionConstruction management, water and sewer line720
- WalmartWarehouse clubs and supercenters495
- Progress West HospitalGeneral hospital445FTE
- American Medical Response336
- O'Fallon CastingInvestment castings, aluminum, unfinished, manufacturing224
- Drug PackagePrint shops, flexographic162
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 41 workplaces with 20 or more staff, 4,726 people in all. School districts come 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
- Strong windRelatively high
- TornadoesRelatively high
- Hailrelatively high in parts of O FallonRelatively moderate
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in O Fallon’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 St. Charles County and the St. Louis, MO-IL metro.
O Fallon home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- O Fallon$378,128
- 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 O Fallon listings, and the typical home goes pending in 10 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.
- O Fallon33.43%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- O Fallon10
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- O Fallon270
New listings per month
Sellers arriving at the market.
- O Fallon134
Median sale price
What buyers actually paid — closed sales, not asking prices.
- O Fallon$376,404
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- O Fallon101.39%
Zip codes with a O Fallon address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls O Fallon — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in O Fallon
| 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 |
|---|---|---|---|---|
| 63366 | O'Fallon | 54,769 | $1,708 | $363,645 |
| 63368 | O'Fallon | 46,966 | $1,725 | $415,572 |