Saint Louis City, Missouri home prices
Typical home $176,514 · -0.4% in a year · property tax 1.03%
The typical home in Saint Louis City is worth $176,514, 33% less than the Missouri typical home ($265,387). Values changed -0.4% in the past year and +10.4% over five years. Homeowners here pay a median 1.03% of their home's value in property tax each year ($1,817 on the typical home), versus 0.79% statewide.
Mortgage on the typical Saint Louis City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,303 | $141,211 | $950 | $0 | $240 | $1,190 | $51,000 |
| 10% down | $17,651 | $158,862 | $1,069 | $66 | $240 | $1,375 | $58,900 |
| 5% down | $8,826 | $167,688 | $1,128 | $70 | $240 | $1,438 | $61,600 |
| 3.5% down (FHA) | $6,178 | $173,317 | $1,166 | $78 | $240 | $1,484 | $63,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.03% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri · part of the St. Louis metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chariton County | $177,593 | -10.3% | 0.64% |
| Butler County | $174,679 | +10.9% | 0.67% |
| Shannon County | $179,646 | +5.0% | 0.43% |
| Schuyler County | $179,965 | +12.5% | 0.79% |
| Clark County | $172,862 | +13.4% | 0.87% |
| Randolph County | $180,864 | +5.5% | 0.78% |
| Madison County | $171,846 | +3.9% | 0.71% |
| Vernon County | $181,319 | +6.6% | 0.67% |
| Barton County | $183,965 | +2.6% | 0.71% |
| Carroll County | $168,905 | +7.3% | 0.79% |
Frequently asked questions
What is the average home price in Saint Louis City, MO?
The typical home value in Saint Louis City is $176,514 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Louis City?
About $51,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Louis City?
The median effective rate is 1.03% of home value a year (Census ACS 2024 5-year estimates).