St. Louis city, MO Average Home Price (2026)
The average home price in St. Louis city, Missouri is about $146,000 (the 2026 median across 18 ZIP codes, at ~$131/sq ft) — 40% more affordable than the Missouri median and 49% more affordable than the typical U.S. home.
How St. Louis city compares
St. Louis city is relatively affordable for housing nationally: its typical home costs $146,000 against $245,000 for Missouri and $289,000 for the U.S. Within the county, ZIP-level values run from about $36,000 to $314,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Louis city | $146,000 | $131 |
| Missouri | $245,000 | $159 |
| United States | $289,000 | $193 |
Cities in St. Louis city
Cities with their own home-value page, largest first:
St. Louis city home prices by ZIP code
The 15 most valuable ZIP codes in St. Louis city (of 18 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 63108 Saint Louis | $314,000 | $190 | +115% |
| 63110 Saint Louis | $301,000 | $196 | +106% |
| 63104 Saint Louis | $292,000 | $171 | +100% |
| 63109 Saint Louis | $266,000 | $212 | +82% |
| 63139 Saint Louis | $223,000 | $210 | +53% |
| 63101 Saint Louis | $186,000 | $132 | +27% |
| 63116 Saint Louis | $180,000 | $167 | +23% |
| 63118 Saint Louis | $177,000 | $130 | +21% |
| 63102 Saint Louis | $147,000 | $138 | +1% |
| 63112 Saint Louis | $145,000 | $158 | -1% |
| 63103 Saint Louis | $131,000 | $124 | -10% |
| 63111 Saint Louis | $119,000 | $115 | -18% |
| 63106 Saint Louis | $116,000 | $121 | -21% |
| 63147 Saint Louis | $60,000 | $75 | -59% |
| 63113 Saint Louis | $52,000 | $52 | -64% |
Home value appreciation in St. Louis city
Home prices in St. Louis city have risen about 72% over the last 10 years (≈5.5% a year) and +66.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.5% — still rising. A home worth $146,000 today was worth roughly $85,032 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Missouri is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for St. Louis city
Run the numbers for St. Louis city with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Louis city
To buy the typical $146,000 home in St. Louis city with 20% down, you need a household income of roughly $40,000 a year (about $930 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $47,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,300 | $1,150/mo | $49,000/yr |
| 10% (+PMI) | $14,600 | $1,100/mo | $47,000/yr |
| 20% | $29,200 | $930/mo | $40,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in St. Louis city
At about $131 per square foot, here is roughly how much home different budgets get you in St. Louis city:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1150 sq ft | around the typical home here |
| $200k | 1530 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 1910 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2290 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Missouri.
Estimate a specific home in St. Louis city
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St. Louis city home prices: frequently asked
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Browse all Missouri cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.