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Market MapSt. Louis, MO
Metropolitan Area

St. Louis, MO

Missouri011 counties
65
/100
Buy
#338 of 894 metros
Top 38% nationally for investing

Market Snapshot

$263,197
Median Home Price
8% above national median
$1,397/mo
Median Rent
1% above national median
6.37%
Rent-to-Price Ratio
Top 42% nationally
-$472
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$263,197
Down Payment (20%)$52,639
Loan Amount$210,558
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,397
Monthly P&I-$1,380
Est. Expenses (35%)-$489
Net Cash Flow-$472/mo
4.1%
Cap Rate (all cash)
-9.4%
Cash-on-Cash Return
6.37%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.1% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
65/100
65
Cash Flow(30%)
64/100

Based on 6.37% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
74/100

Based on 2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
74/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)
  • +Large metro with 11 counties offering diverse opportunities

Challenges

  • -Negative cash flow at typical financing (-$472/mo)
  • -Negative leverage (cap rate 4.1% < mortgage rate 6.9%)

Counties in St. Louis, MO

Best Overall
Clinton
IL - Score: 80
Best Cash Flow
Saint Louis City
MO - Score: 70
Most Affordable
Macoupin
IL - Score: 63
Verdict
ClintonIL
36,99880$213,780Est.Strong BuyView
Saint ClairIL
256,79178$171,619$1,2508.74%Strong BuyView
MonroeIL
34,90576$318,681Est.Strong BuyView
MadisonIL
265,51273$187,221$1,1317.25%BuyView
Saint Louis CityMO
298,01870$172,953$1,3089.07%BuyView
JeffersonMO
226,98468$280,024$1,5486.63%BuyView
BondIL
16,75067$154,738Est.BuyView
MacoupinIL
44,90763$133,612Est.BuyView
Saint LouisMO
999,70363$273,196$1,4756.48%BuyView
FranklinMO
104,85861$254,200$1,0975.18%BuyView
Saint CharlesMO
406,26258$359,741$1,6435.48%HoldView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Decatur, IL
Decatur, IL
85$118,242$1,02110.36%Strong BuyView
Paducah, KY
Paducah, KY
82$165,710$1,2919.35%Strong BuyView
Indiana, PA
Indiana, PA
82$158,790$1,37610.40%Strong BuyView
Connersville, IN
Connersville, IN
82$158,083Est.Strong BuyView
Enid, OK
Enid, OK
81$137,435$1,0769.39%Strong BuyView
Current
St. Louis, MO
65$263,197$1,3976.37%Buy

The Bottom Line

BuySt. Louis, MO offers solid investment potential with good cash flow or appreciation prospects.

The St. Louis, MO metro area scores 65/100, ranking #338 of 894 US metros (top 38%). The 6.37% rent-to-price ratio indicates moderate cash flow potential. Among 11 counties, Clinton shows the strongest investment potential (score: 80). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-472/mo
Cap Rate
4.1%
Cash-on-Cash
-10.8%

Ready to Invest in St. Louis, MO?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyClinton
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