Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$204,249+4.3% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 25% have cut their price
Income needed to buy, per year$44,277About 0.8× the local median income ($58,334): affordable for a typical household
Days on market50 daysFaster than a year ago: sellers have the edge
The typical home in Saint Clair County, MO is worth $204,249, up 4.3% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $193,085, so the area is 5.8% overvalued. It is a buyer's market: homes take about 50 days to sell, listings are up 21% from a year ago, 25% of listings have had a price cut. A household needs about $44,277 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,334. In the latest IRS figures, 178 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$204,249
Change in 1 year
+4.3%
Overvalued %
+5.8%
Show 6 more
Fair home value
$193,085
Change in 5 years
+35.9%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$1,107
Income needed to afford it
$44,277
Property tax rate
0.61%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$962
Market activity
Listings vs a year ago
+21.2%
Days on market
50
Listings with a price cut
25.0%
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Homes for sale
40
Pending sales per 100 listings
20
Asking price per sq ft
$152
People and jobs
Median household income
$58,334
Population change (1 year)
+1.4%
Unemployment rate
3.3%
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Population
9,976
Income adjusted for cost of living
$69,528
Net moves in (IRS)
+178
Cost of living (US = 100)
83.9
Schools, risk and environment
School rating (1 to 10)
4.3
FEMA hazard risk score (0 to 100)
25.6
Flood risk score
35.8
Show 3 more
Wildfire risk score
53.1
Walkability (1 to 20)
5.1
Road, rail and air noise
54 dB
Questions people ask
Is Saint Clair County, MO overvalued?
Home prices in Saint Clair County, MO are slightly above what local incomes have historically supported: fair value is about $193,085, so the area is 5.8% overvalued.
Is Saint Clair County, MO a buyer's or seller's market?
Saint Clair County, MO is a buyer's market: homes take about 50 days to sell, listings are up 21% from a year ago, 25% of listings have had a price cut.
Are home prices going down in Saint Clair County, MO?
Home values in Saint Clair County, MO are up 4.3% over the last year.
How much do you need to earn to buy a home in Saint Clair County, MO?
A household needs about $44,277 a year to afford the typical home in Saint Clair County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,334.