Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$285,675+2.8% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$61,928About 0.7× the local median income ($84,109): affordable for a typical household
Days on market50 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 County, MO is worth $285,675, up 2.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $263,462, so the area is 8.4% overvalued. It is a balanced market, leaning toward buyers: homes take about 50 days to sell, listings are up 32% from a year ago, 21% of listings have had a price cut. Zillow expects prices to rise about 2.6% over the next year. A household needs about $61,928 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 $84,109. Typical rent is $1,490 a month, or $1,763 for a house. In the latest IRS figures, 3,566 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
$285,675
Change in 1 year
+2.8%
Overvalued %
+8.4%
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Fair home value
$263,462
Change in 5 years
+24.4%
Zillow forecast, next 12 months
+2.6%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,548
Income needed to afford it
$61,928
Property tax rate
1.21%
Rent and investing
Typical rent
$1,490
Typical rent for houses
$1,763
Price-to-rent ratio
16.0×
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HUD Fair Market Rent, 2 bedrooms
$1,349
Gross rental yield
6.26%
Cap rate (estimate)
4.07%
Market activity
Listings vs a year ago
+32.0%
Days on market
50
Listings with a price cut
21.1%
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Homes for sale
2,696
Pending sales per 100 listings
54
Asking price per sq ft
$155
People and jobs
Median household income
$84,109
Population change (1 year)
−0.1%
Unemployment rate
4.3%
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Population
990,911
Income adjusted for cost of living
$88,443
Net moves in (IRS)
−3,566
Cost of living (US = 100)
95.1
Schools, risk and environment
School rating (1 to 10)
6.3
FEMA hazard risk score (0 to 100)
99.3
Flood risk score
99.1
Show 3 more
Wildfire risk score
61.7
Walkability (1 to 20)
10.7
Road, rail and air noise
54 dB
Questions people ask
Is Saint Louis County, MO overvalued?
Home prices in Saint Louis County, MO are slightly above what local incomes have historically supported: fair value is about $263,462, so the area is 8.4% overvalued.
Is Saint Louis County, MO a buyer's or seller's market?
Saint Louis County, MO is a balanced market, leaning toward buyers: homes take about 50 days to sell, listings are up 32% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Saint Louis County, MO?
Home values in Saint Louis County, MO are up 2.8% 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 County, MO?
A household needs about $61,928 a year to afford the typical home in Saint Louis County, MO at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $84,109.