Is Saint Francois County, MO good for real estate investing?

Saint Francois County has an investment score of 65/100, rated as "Buy". The county ranks #340 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Saint Francois?

The rent-to-price ratio in Saint Francois County is 6.57% annually, which ranks in the 68th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Saint Francois?

The median home price in Saint Francois County is $186,017. This ranks #318 in affordability among all US counties.

Can you cash flow on rental properties in Saint Francois?

Based on median values with 20% down at current rates, a typical rental in Saint Francois County would generate negative cash flow of $313/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Francois County

MissouriPopulation: 66,814

/100

Buy

#340 of 1,000 counties

#53 in Missouri (113 counties)

Market Snapshot

$186,017

Median Home Price

19% below national median

$1,019/mo

Median Rent

25% below national median

6.57%

Rent-to-Price Ratio

Top 32% nationally

-$313

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

Down Payment20%

5%50%100%

Purchase

Purchase Price$186,017

Down Payment (20%)$37,203

Loan Amount$148,814

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,019

Monthly P&I-$975

Est. Expenses (35%)-$357

Net Cash Flow-$313/mo

4.3%

Cap Rate (all cash)

-8.8%

Cash-on-Cash Return

6.57%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.3% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

65/100

Cash Flow(30%)

66/100

Based on 6.57% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

68/100

Based on 1.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

77/100

Price-to-income ratio of 3.5x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (6.57%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$313/mo)
-Negative leverage (cap rate 4.3% < mortgage rate 6.9%)

Economic Indicators

Population

66,814

Median Income

$53,083

vs $51,665 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.5x

Moderately affordable

Compare to Nearby Counties

County					Verdict
BatesMO	66	$219,654	Est. pending	—	Buy	View
BentonMO	66	$186,998	Est. pending	—	Buy	View
CurrentSaint FrancoisMO	65	$186,017	$1,019	6.57%	Buy
DeKalbMO	65	$228,527	Est. pending	—	Buy	View
LincolnMO	64	$298,342	$1,321	5.31%	Buy	View
AdairMO	64	$183,598	$798	5.22%	Buy	View

The Bottom Line

BuySaint Francois offers solid investment potential with good cash flow or appreciation prospects.

Saint Francois County in Missouri scores 65/100, ranking #340 of 1,000 US counties (top 34%). The 6.57% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-313/mo

Cap Rate

4.3%

Cash-on-Cash

-8.8%

Ready to Analyze a Deal in Saint Francois?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$186,017

Down Payment (20%)$37,203

Loan Amount$148,814

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,019

Monthly P&I-$975

Est. Expenses (35%)-$357

Net Cash Flow-$313/mo

4.3%

Cap Rate (all cash)

-8.8%

Cash-on-Cash Return

6.57%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.3% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

65/100

Cash Flow(30%)

66/100

Based on 6.57% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

68/100

Based on 1.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

77/100

Price-to-income ratio of 3.5x. Lower ratios indicate more affordable markets.

County

Verdict

BatesMO

$219,654

Est. pending

—

Buy

View

BentonMO

$186,998

Est. pending

—

Buy

View

CurrentSaint FrancoisMO

$186,017

$1,019

6.57%

Buy

DeKalbMO

$228,527

Est. pending

—

Buy

View

LincolnMO

$298,342

$1,321

5.31%

Buy

View

AdairMO

$183,598

$798

5.22%

Buy

View

The Bottom Line

BuySaint Francois offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-313/mo

Cap Rate

4.3%

Cash-on-Cash

-8.8%