St. Louis, MO home prices
Typical home $273,164 · +3.3% in a year · income needed $80,600
The St. Louis, MO metro area ranks 387 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.3% in a year and +24.9% over five years. With 20% down at 7.11%, the typical home costs about $1,881 a month including 1.2% property tax (Saint Louis County rate).
Mortgage on the typical St. Louis home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,633 | $218,531 | $1,470 | $0 | $411 | $1,881 | $80,600 |
| 10% down | $27,316 | $245,848 | $1,654 | $102 | $411 | $2,167 | $92,900 |
| 5% down | $13,658 | $259,506 | $1,746 | $108 | $411 | $2,265 | $97,100 |
| 3.5% down (FHA) | $9,561 | $268,217 | $1,804 | $121 | $411 | $2,336 | $100,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.2% 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.
Counties in the St. Louis area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Saint Louis County, MO | $285,675 | +2.8% | 1.2% |
| Saint Charles County, MO | $372,123 | +2.2% | 1.08% |
| Saint Louis City, MO | $176,514 | -0.4% | 1.03% |
| Madison County, IL | $197,597 | +5.3% | 1.92% |
| Saint Clair County, IL | $177,682 | +1.2% | 2.03% |
| Jefferson County, MO | $291,892 | +4.3% | 0.8% |
| Franklin County, MO | $264,683 | +4.9% | 0.8% |
| Lincoln County, MO | $316,603 | +5.4% | 0.74% |
| Macoupin County, IL | $144,350 | +2.3% | 1.5% |
| Clinton County, IL | $225,207 | +6.4% | 1.83% |
| Monroe County, IL | $322,053 | +2.3% | 1.63% |
| Warren County, MO | $336,425 | +2.2% | 0.69% |
| Jersey County, IL | $203,810 | +3.9% | 1.76% |
| Bond County, IL | $163,686 | +9.9% | 1.89% |
| Calhoun County, IL | $198,789 | +7.3% | 1.39% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in St. Louis?
The typical home in the St. Louis, MO metro area is worth $273,164 (Zillow, September 2026).
What salary do you need to buy a house in St. Louis?
About $80,600 a year for the typical home with 20% down at 7.11%.