The story of this market
The typical home in St. Louis County, Missouri sells for about $312,064, or $175 per square foot.
Prices are up +3.6% from a year ago, so sellers still have some momentum. Homes take about 11 days to sell, which is fast. Over the long run, values in this county have grown 101% since 2000. Last year 152 of 228 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is heat wave, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,349 a month.
HUD sets the fair market rent for a 2-bedroom at $1,349 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively High.
Price climate
Every year of price change, 2000–2025
+1.2%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+12.1%). Worst: 2010 (-4.5%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3.7%
MO · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,731
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.2%
2025 change
FHFA repeat-sales index, median of 228 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
84
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $752,688,851.
Mortgage activity
Home lending in this county
79.8%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 49100 | 25408 | 79.8% | 10.1% | $205,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
St. Louis County, Missouri
St. Louis County's residential real estate market remains firm and competitive, characterized by low median days on market (11 days) and a median sale-to-list price ratio above 101%. Modest annual price appreciation near 3.6% alongside balanced inventory constraints continues to support stable pricing despite broader interest rate pressures.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 23 cities · 43 ZIP reports
Median prices moved up 2.4% year over year.
Homes spend a median of 66 days on market with 0.2 months of supply — a fast-moving market.
2% of listings have cut prices · homes sell at 26.81% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 9.5% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 41 researched ZIP reports of 43 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
St. Louis County, Missouri — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 10, 2026.
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| 63005 | Chesterfield | $750,000 | $245 | +3.2% | 28 | 98.5% | 18% | 3.1 | 142 | $1,596 | researched Sep 27 |
| 63011 | Ballwin | $473,000 | $174 | -3.6% | 53 | 98.5% | 25% | 6.1 | 985 | $1,566 | researched Sep 27 |
| 63017 | Chesterfield | $630,157 | $205 | +8.2% | 13 | — | — | — | 811 | $1,709 | researched Sep 27 |
| 63021 | Ballwin | $425,000 | $198 | +4.2% | 14 | 99.2% | 12% | 2.1 | 34 | $1,423 | researched Sep 27 |
| 63025 | Wildwood | $462,000 | $194 | +7.1% | 32 | — | 21% | — | 60 | $1,266 | researched Sep 27 |
| 63026 | Fenton | $348,333 | $217 | +4.1% | 40 | — | — | — | 45 | $1,135 | researched Sep 27 |
| 63031 | Florissant | $200,000 | $152 | — | 45 | 100% | — | — | 202 | $1,429 | researched Sep 27 |
| 63033 | Florissant | $190,500 | $145 | -9.3% | 11 | — | — | — | 470 | $1,206 | researched Sep 27 |
| 63034 | Florissant | $220,235 | $164 | +1.3% | 47 | 98.5% | 21% | 2.1 | 2,423 | $1,825 | researched Sep 27 |
| 63038 | Wildwood | $671,334 | $158 | +4.3% | 45 | 98.5% | 22% | 3.2 | 2,379 | $2,087 | researched Sep 27 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates vary substantially across St. Louis County's distinct municipalities, with affluent central and west county enclaves reporting low property and violent crime rates while select inner-ring northern areas experience elevated rates above national medians.
The county is served by multiple top-tier public school districts such as Ladue Horton Watkins, Clayton, Parkway, and Rockwood, which consistently earn top state rankings and 9-10/10 ratings on GreatSchools.
Flood risk remains the county's primary natural hazard, particularly along the Missouri, Mississippi, and Meramec river floodplains, while overall severe wind/tornado exposure mirrors the Midwest regional baseline.
St. Louis County serves as the economic hub of the St. Louis metropolitan area, anchored by major corporate headquarters including Centene, Emerson Electric, Bayer Crop Science, and Edward Jones.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Superfund Liens: Establishes a statutory federal lien upon the parcel running in favor of the United States for all unrecovered cleanup costs, damages, and statutory interest incurred by the EPA. Rate and formula: Direct Dollar-for-Dollar Reimbursement (Lien Amount = Incurred Response Costs + Administrative Costs + Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Withholding: Imposes an affirmative withholding tax obligation on the transferee (buyer) to withhold and remit tax on the gross amount realized (gross sales price). The statutory base withholding rate is 15% of the total purchase price (Formula: Tax = Amount Realized × 15%). Exemptions and reductions: (1) 0% wit Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer.
The county boasts extensive public park systems including Queeny Park, Creve Coeur Lake Memorial Park, and Castlewood State Park, offering substantial trails, boating, golf, and conservation acreage.
The county maintains a deep rental market across diverse price tiers, with multifamily rent growth staying modest and vacancy rates remaining around 6-7% across garden-style and suburban developments.
A highly diversified regional economic engine driven by healthcare, financial services, life sciences, and corporate management headquarters across Clayton, Creve Coeur, and Chesterfield.
Traversed by major interstate corridors (I-64/US-40, I-270, I-170, and I-44) alongside MetroLink light-rail access connecting Clayton and the inner suburbs to downtown St. Louis and Lambert International Airport.
Zoning and land-use authority are fragmented across nearly 90 municipalities, resulting in varied local development policies ranging from dense commercial redevelopment to strictly preserved low-density residential zoning.
Property assessments are conducted biennially in odd-numbered years by the St. Louis County Assessor's Office under Missouri statutory market-value standards using a 19% assessment ratio for residential property.
Taxing jurisdictions include local municipalities, fire protection districts, independent school districts, community college districts, and the Metropolitan St. Louis Sewer District (MSD).
Property insurance conditions remain stable relative to coastal states, though severe convective convective storms, hail risks, and flood-prone lowlands near rivers contribute to rising homeowners insurance rates.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
2,145-acre park featuring a 320-acre natural lake, water-sport rentals, and extensive multi-use trails.
Prominent recreation area along the Meramec River known for limestone bluffs, hiking, and mountain biking.
Suburban park featuring the Greensfelder Recreation Complex, equestrian trails, and open green space.
Premier regional shopping and dining destination located in Richmond Heights.
Retrieved via Census Bureau Profile and QuickFacts for St. Louis County, MO (FIPS 29189).
Allows lenders to foreclose without court intervention via power of sale. Requires specific notice of default and intention to foreclose; prohibits deficiency judgments against owner-occupants in certain nonjudicial residential foreclosures.
Governed by RSMo Sections 443.290 to 443.440.
applies when — Applies only in counties that have formally adopted the provisions of RSMo Section 137.082.
Allows for the assessment and taxation of newly constructed residential property starting the first month following occupancy, and pro rata removal from tax rolls for improvements destroyed by natural disaster.
RSMo Section 137.082.
Residential property is assessed at 19% of its true market value. The formula is: (Market Value * 0.19) * Local Tax Rate = Annual Tax Liability.
Established under Article X, Section 4(b) of the Missouri Constitution and RSMo Section 137.115.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.