Saint Louis, Missouri.
Typical home $181,157 (-0.2% in a year), asking rent $1,292 (+3.1%). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$459 (+93%) since Jan 2020.
- 1 year
- Down $409 -0%
- $181,566$181,157 since Sep 2025
- 5 years
- Up $17,414 +11%
- $163,743$181,157 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.
- Saint Louis$951
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 34 years.
Typical home values in Saint Louis, MO fell 0.2% over the past year — slower than the nation's +1.2%.
Asking rents in Saint Louis, MO rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Saint Louis runs $8/mo more than renting one. The gap peaked at $189 in Aug 2020.
That is $1,300 a month against $1,292 rent: a $951 mortgage payment, plus $155 property tax and $194 insurance & upkeep.
Owning vs renting — Saint Louis
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$1,300
- Renting$1,292
- Mortgage only$951
Property tax · $155/mo 1.03% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Louis City, MO
Insurance & upkeep · $194/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 Saint Louis, Missouri
Saint Louis is a city of 301,578 people in St. Louis city. Half its households earn more than $56,160 a year and half less, against $56,160 across St. Louis city; 21% of its people live below the poverty line. 45% of its homes are lived in by their owners and 55% are rented. Unemployment in Saint Louis was 4.6% in August 2026, and St. Louis city had 0.4% 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. Saint Louis is a large river city with a long history, and the median resident is a little younger than in much of the country. Incomes are modest and a good share of residents live below the poverty line, while homes cost less than in many American cities. More people rent than own, and a sizable group of adults hold a four-year degree. Winters are cold and summers are hot, with a fair amount of rain and melted snow through the year.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, restaurants and hotels, and shops. Among the largest workplaces in Saint Louis are Saint Louis University, St. Louis Children's Hospital and the Veterans Health Administration. Job numbers slipped slightly last year, and unemployment is a little lower than it was a year ago. Most people have a fairly short commute, and a noticeable group works from home.
Things to do. Forest Park is a large garden-like park in or beside town, and the Saint Louis Zoo and the Saint Louis Art Museum are also in or beside town. The Missouri Botanical Garden is another place to wander, in or beside town. A short drive away, Gateway Arch National Park sits beside the Mississippi, and Cahokia, an archaeological site, is also a short drive away.
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- 144,891households
- 41%of adults have a degree
- 21%below the poverty line
- 22 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Louis city had 220,645 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 25°; warmest in July, with highs near 90° and lows near 72°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Louis Sci Ctr weather station, 2 miles away (NOAA).
Largest workplaces in Saint Louis
- Saint Louis UniversityUniversity or college3,452
- St. Louis Children's HospitalChildren's hospital3,449FTE
- Keeley Construction GroupAddition, alteration and renovation general contractors, commercial and institutional building1,899
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,856
- SSM Saint Louis University HospitalGeneral hospital1,836FTE
- St. Louis City SchoolsSchool district1,785FTE
- Saint LouisMail and parcel delivery1,247
- Delaware North CompaniesFood service contractors1,229
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 275 workplaces with 20 or more staff, 43,896 people in all. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023), federal offices from OPM's federal workforce data (2026) and school districts from the Common Core of Data (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
- TornadoesRelatively high
- Inland floodingRelatively high
- Earthquakesrelatively high in parts of Saint LouisRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Louis’ 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 city and the St. Louis, MO-IL metro.
Saint Louis home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Louis$181,157
- 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 Saint Louis listings, and the typical home goes pending in 14 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.
- Saint Louis29.52%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Saint Louis14
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Louis1,155
New listings per month
Sellers arriving at the market.
- Saint Louis369
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Saint Louis$219,139
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Saint Louis99.72%
Zip codes with a Saint Louis address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Louis — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Saint Louis
| 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 |
|---|---|---|---|---|
| 63116 | Saint Louis | 42,170 | $1,093 | $179,762 |
| 63118 | Saint Louis | 25,913 | $1,186 | $177,324 |
| 63109 | Saint Louis | 25,236 | $1,136 | $266,491 |
| 63139 | Saint Louis | 21,631 | $1,305 | $222,821 |
| 63108 | Saint Louis | 21,336 | $1,664 | $313,958 |
| 63104 | Saint Louis | 19,007 | $1,423 | $291,940 |
| 63111 | Saint Louis | 18,851 | $1,033 | $119,322 |
| 63112 | Saint Louis | 17,985 | $1,293 | $145,407 |
| 63110 | Saint Louis | 17,645 | $1,476 | $301,498 |
| 63115 | Saint Louis | 14,488 | $952 | $38,683 |
| 63113 | Saint Louis | 10,221 | $961 | $52,352 |
| 63107 | Saint Louis | 8,909 | — | $42,631 |
| 63103 | Saint Louis | 8,778 | $1,437 | $131,301 |
| 63147 | Saint Louis | 8,173 | $925 | $59,762 |
| 63120 | Saint Louis | 6,790 | $1,148 | $36,191 |
| 63106 | Saint Louis | 6,751 | $886 | $115,590 |
| 63101 | Saint Louis | 3,130 | $1,329 | $185,965 |
| 63102 | Saint Louis | 2,882 | $1,901 | $146,883 |