The story of this market
The typical home in St. Louis (city), Missouri sells for about $240,000, or $147 per square foot.
Prices are up +2.6% from a year ago, so sellers still have some momentum. Homes take about 31 days to sell. Over the long run, values in this county have grown 150% since 2000. Last year 40 of 62 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
+0.5%
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: 2001 (+12.3%). Worst: 2011 (-4.4%). 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
+0.5%
2025 change
FHFA repeat-sales index, median of 62 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
89
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $359,228,603.
Mortgage activity
Home lending in this county
75.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 12307 | 5966 | 75.6% | 18% | $155,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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 (city), Missouri
St. Louis City's residential market exhibits stable, modest price growth with median sale prices hovering near $240,000 and homes moving in roughly 31 days. Submarket dynamics vary dramatically between strong demand in southside neighborhoods and central corridors versus weaker absorption in northern sections. Active inventory sits around 800 units, reflecting measured buyer demand that keeps sale-to-list ratios close to 98%.
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 · 1 city · 19 ZIP reports
Median prices moved down 1.5% year over year.
Homes spend a median of 27 days on market with 1.3 months of supply — a fast-moving market.
9% of listings have cut prices · homes sell at 18.36% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.6% · poverty 19.8% — a stable, low-distress profile.
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 19 researched ZIP reports — 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 (city), 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 8.5%/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 7, 2026.
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 27
researched Sep 19
researched Sep 27
researched Sep 27
researched Sep 27
| 63101 | City of St. Louis | $200,000 | $164 | — | 62 | — | — | — | — | $1,272 | researched Sep 27 |
| 63102 | City of St. Louis | $160,000 | $164 | +3.6% | 11 | — | — | — | 6 | $1,226 | researched Sep 27 |
| 63103 | City of St. Louis | $135,276 | $135 | -0.3% | 44 | 95% | 41% | 6.8 | 2,436 | $996 | researched Sep 27 |
| 63104 | City of St. Louis | $265,000 | $164 | +6% | 14 | — | 30% | — | 6,840 | $1,096 | researched Sep 27 |
| 63106 | City of St. Louis | $119,000 | $164 | — | 65 | — | — | — | 2,436 | $773 | researched Sep 27 |
| 63107 | City of St. Louis | — | $49 | -63.3% | 44 | — | — | — | 56 | $831 | researched Sep 27 |
| 63108 | City of St. Louis | $320,000 | $192 | -19% | 71 | — | — | — | 131 | $1,165 | researched Sep 19 |
| 63109 | City of St. Louis | $279,633 | $164 | +0.1% | 5 | 100% | 4% | 6.8 | 2,436 | $971 | researched Sep 27 |
| 63110 | City of St. Louis | $378,267 | $164 | +2.1% | 45 | 98.2% | 15% | 4.2 | 76 | $1,240 | researched Sep 27 |
| 63111 | City of St. Louis | $123,371 | $159 | -0.5% | 11 | — | — | — | 10,671 | $888 | 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.
St. Louis City has historically recorded elevated violent and property crime rates compared to broader Missouri and national medians, though municipal reports show steady year-over-year declines in homicides and major crimes. Safety metrics diverge significantly between northern sectors and central/southside neighborhoods such as Tower Grove, South City, and the Central West End.
St. Louis Public Schools (SLPS) operates the majority of traditional public facilities, which show mixed district-wide performance scores alongside highly rated magnet choices like Kennard Classical Junior Academy and Mallinckrodt Academy. A significant share of resident families also utilize charter networks or regional private and parochial institutions.
The primary natural hazard exposure comes from localized urban stormwater flooding and Mississippi River overflow, with approximately 13% of county properties facing 30-year severe flood risk. Wildfire threat is negligible (under 1%), while severe convective storms, straight-line winds, and winter freezes periodically drive insurance loss trends.
Economic and development momentum centers on the Cortex Innovation Community, biomedical expansions around Washington University Medical Center and BJC HealthCare, and the National Geospatial-Intelligence Agency (NGA) West headquarters campus. Ongoing public infrastructure works and infill rehabs continue to absorb commercial and residential investment across central corridors.
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.
St. Louis City's economic backbone is anchored by healthcare, biotechnology, education, and manufacturing, headlined by BJC HealthCare, SSM Health, Washington University School of Medicine, and Saint Louis University. Federal intelligence research anchored by the NGA, alongside corporate presences such as Anheuser-Busch and Stifel, sustains professional employment.
The city is served by Interstate highways I-44, I-55, I-64 (US-40), and I-70, alongside Bi-State Development's MetroLink light rail connecting downtown with St. Louis Lambert International Airport and the Metro East suburbs.
Active development pipelines emphasize urban infill, transit-oriented multi-family buildings in Midtown and the Central West End, and industrial/logistics reuse along north riverfront corridors.
Assessments are administered by the City of St. Louis Assessor's Office under Missouri state assessment statutes, revaluing real property on a biennial cycle (odd-numbered years) at 19% of market value for residential parcels.
Parcels are subject to tax levies from St. Louis Public Schools, the City of St. Louis, St. Louis Community College, the Metropolitan Sewer District (MSD), and the Zoo-Museum District (ZMD), alongside designated Special Business Districts (SBDs) or CIDs in select commercial areas.
Property insurance rates in the city have experienced upward pressure driven by convective storm patterns, aging brick building envelopes, and rising nationwide reinsurance costs.
- Mid America Adventure4.126.9 mi
- Dave & Buster's St. Louis4.117.1 mi
- Slick City Action Park4.722.1 mi
- Raging Rivers WaterPark4.226.2 mi
- Carondelet Park Rec Complex4.35.7 mi
- Busch Stadium4.80.4 mi
- Mid America Adventure4.126.9 mi
- Enterprise Center4.60.2 mi
- City Museum4.70.5 mi
- Ameristar Casino Resort Spa St. Charles4.218.2 mi
- Saint Louis Zoo4.85 mi
- The Gateway Arch4.70.6 mi
- Busch Stadium4.80.4 mi
- Missouri Botanical Garden4.83.5 mi
- Saint Louis Art Museum4.85.3 mi
- The Gateway Arch4.70.6 mi
- Missouri Botanical Garden4.83.5 mi
- City Museum4.70.5 mi
- Gateway Arch National Park4.80.7 mi
- Saint Louis Science Center4.63.9 mi
- Missouri Botanical Garden4.83.5 mi
- Gateway Arch National Park4.80.7 mi
- Forest Park4.84.8 mi
- Cahokia Mounds UNESCO World Heritage Site4.77.6 mi
- Tower Grove Park4.83.4 mi
- Topgolf St. Louis - Midtown4.21.8 mi
- Tower Tee Golf & Recreation4.58.2 mi
- Forest Park Golf Course4.35.4 mi
- Tapawingo National Golf Club4.414.2 mi
- Norwood Hills Country Club4.68 mi
- West County Center4.413.5 mi
- Saint Louis Galleria4.38.1 mi
- City Foundry STL4.62.3 mi
- St. Louis Lambert International Airport4.112.7 mi
- MidAmerica St. Louis Airport4.221.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A 1,300-acre landmark park housing the Saint Louis Art Museum, Saint Louis Zoo, Missouri History Museum, and The Muny.
Historic riverfront monument and museum marking the gateway to the American West along the Mississippi River.
Victorian walking park adjacent to the renowned Missouri Botanical Garden in South City.
Downtown home stadium of the St. Louis Cardinals surrounded by dining and live entertainment options.
Data retrieved from U.S. Census Bureau ACS 5-year profiles for the independent city-county of St. Louis, Missouri.
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.