Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$176,514−0.4% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$38,265About 0.7× the local median income ($53,962): affordable for a typical household
Days on market53 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.6%Zillow expects prices to rise slightly
The typical home in Saint Louis City, MO is worth $176,514, about the same as a year ago. That is slightly below what local incomes have historically supported: fair value is about $186,850, so the area is 5.5% undervalued. It is a buyer's market: homes take about 53 days to sell, listings are up 18% from a year ago, 24% of listings have had a price cut. Zillow expects prices to rise about 2.6% over the next year. A household needs about $38,265 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 $53,962. Typical rent is $1,287 a month, or $1,524 for a house. In the latest IRS figures, 4,504 more people moved out than in.
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
$176,514
Change in 1 year
−0.4%
Overvalued %
−5.5%
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Fair home value
$186,850
Change in 5 years
+10.4%
Zillow forecast, next 12 months
+2.6%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$957
Income needed to afford it
$38,265
Property tax rate
1.03%
Rent and investing
Typical rent
$1,287
Typical rent for houses
$1,524
Price-to-rent ratio
11.4×
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HUD Fair Market Rent, 2 bedrooms
$1,349
Gross rental yield
8.75%
Cap rate (estimate)
5.69%
Market activity
Listings vs a year ago
+18.3%
Days on market
53
Listings with a price cut
24.3%
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Homes for sale
910
Pending sales per 100 listings
34
Asking price per sq ft
$153
People and jobs
Median household income
$53,962
Population change (1 year)
−0.8%
Unemployment rate
5.0%
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Population
278,144
Income adjusted for cost of living
$56,742
Net moves in (IRS)
−4,504
Cost of living (US = 100)
95.1
Schools, risk and environment
School rating (1 to 10)
2.6
FEMA hazard risk score (0 to 100)
98.7
Unhealthy air days a year
8
Show 4 more
Flood risk score
97.0
Wildfire risk score
3.0
Walkability (1 to 20)
14.1
Road, rail and air noise
52 dB
Questions people ask
Is Saint Louis City, MO overvalued?
Home prices in Saint Louis City, MO are slightly below what local incomes have historically supported: fair value is about $186,850, so the area is 5.5% undervalued.
Is Saint Louis City, MO a buyer's or seller's market?
Saint Louis City, MO is a buyer's market: homes take about 53 days to sell, listings are up 18% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Saint Louis City, MO?
Home values in Saint Louis City, MO are down 0.4% over the last year. Zillow's forecast for the next 12 months is +2.6%.
How much do you need to earn to buy a home in Saint Louis City, MO?
A household needs about $38,265 a year to afford the typical home in Saint Louis City, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $53,962.