Real Estate Investing in Washington, Missouri (63090)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Franklin County • Population: 22,471 • Data updated: September 2026

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Should you buy in 63090 (Washington, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Washington, MO (63090)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $308,970
Avg Monthly Rent $1,366
1% Rule ✗ Does Not Meet
Median Income $79,373
% Renters 22.9%

Market Analysis: 63090 Washington

Investors eyeing 63090 need to respect the fundamentals at play. Home values of $309K come alongside slower price movement and elevated management overhead.

Turning to rents, the numbers look inviting — $309K purchase price, 0.0% nominal cap — the work to hit that pro forma in 63090 is substantial and deserves full respect.

Within MO, ZIP 63090 trails on several market indicators that neighboring Franklin County submarkets outperform. The gap is real and substantial enough to shape underwriting.

Resident income in 63090 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The right play in 63090 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Washington:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
18/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+4.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,366/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
St. Louis, MO-IL Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
11.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from St. Louis, MO-IL metro data
🏠

Property Strategy for 63090

Which property type performs best in this market?

Best for Cash Flow
2BR
3.4% cap rate
Best for Appreciation
5BR
+7.2% 5yr CAGR
Best Overall Value
4BR
$97,819/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $169,516 $800 3.4% $169,516
2BR $208,803 $990 3.4% +7.1% $104,402
3BR $310,068 $1,270 2.9% +6.9% $103,356
4BR $391,276 $1,480 2.7% +6.6% $97,819
5BR $500,426 +7.2% $100,085

Market Trends

Home Value History (with trend line)

$325K$290K$254K$219K$184K$148KFeb 2008May 2017Jul 2026

Rent History (with trend line)

$1,394$1,312$1,229$1,146$1,063$980Sep 2025Mar 2026Jul 2026

📊 How Does 63090 Compare?

Metric 63090 Washington St. Louis, MO-IL Missouri
Home Value $308,970 $308,970 N/A $254,657
5-Year CAGR 4.8% 4.8% N/A 7.0%
Avg Rent $1,366 $1,366 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 63090? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63090 (Washington, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+4.8%
Moderate

📊 Market Snapshot

Home Value $308,970
Monthly Rent $1,366
Price-to-Rent 18.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.5%
5-Year IRR 8.2%

📈 Home Appreciation

1-Year +4.1% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +4.8% ▲
10-Year CAGR +5.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.1%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.8%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63090

Population: 22,471

💰 Median Household Income
$79,373
This area
$79,373
State
$62,768
USA
$74,580
🏠 Renter Occupied
22.9%
This area
22.9%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-8.1%
USA
3.7%
🎓 College Educated
30.0%
This area
30.0%
State
8.6%
USA
33.7%
👤 Median Age
42.5 years
This area
42.5 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
5.1%
This area
5.1%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 93.3%
Other/Mixed 6.2%
Hispanic/Latino 4.2%
Black/African American 0.2%
Asian 0.2%
👶 Under 18
21.9%
This area
21.9%
USA
22.0%
👴 65 and Over
19.2%
This area
19.2%
USA
17.3%
📊 Poverty Rate
3.8%
This area
3.8%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 63090

B+ Avg School Grade
6 Schools
11.1:1 Avg Class Size
$16,856 Avg Per Pupil

Schools in This ZIP Code

A Very Good

South Point Elementary

📚 K – 06 School
👥
407 Students
👨‍🏫
11.0:1 Class Size
💰
$16,856 Per Student
A Very Good

Washington Middle

📚 07 – 08 Middle
👥
523 Students
👨‍🏫
11.6:1 Class Size
💰
$16,856 Per Student
A Very Good

Washington West Elementary

📚 K – 06 School
👥
388 Students
👨‍🏫
9.8:1 Class Size
💰
$16,856 Per Student
B+ Above Average

Early Learning Center

📚 Grade PK Elementary
👥
95 Students
👨‍🏫
7.6:1 Class Size
💰
$16,856 Per Student
B Good

Washington High School

📚 09 – 12 High School
👥
1,246 Students
👨‍🏫
15.7:1 Class Size
💰
$16,856 Per Student
C+ Average

Four Rivers Career Center

📚 09 – 12 High School Limited Data
💰
$16,856 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

3 Nearby 291 Off-Campus Students
C
Four Rivers Career Center
24 students · 1.9 mi
C+
Evolve Beauty Academy
21 students · 2.4 mi
C
East Central College
2,638 students · 7.9 mi

Frequently Asked Questions

How much should I expect to pay for a home in Washington, MO?

Typical homes in Washington, MO go for around $309K. The 5-year CAGR of 0.0% even-keeled price movement.

How high is vacancy risk in Washington, MO?

Washington, MO carries elevated vacancy risk. Expect even-keeled absorption at market rents of $1,366/mo.

Are renters plentiful in Washington, MO?

Washington, MO draws a even-keeled base of working renters. Demand at the $1,366/mo rent level is reasonable for standard single-family and small multi rentals.

How landlord-friendly is Washington, MO?

The landlord environment in Washington, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Does house hacking work in Washington, MO?

House hacking works a challenging in Washington, MO. Rents of $1,366/mo against $309K acquisition make the strategy solid for owner-occupants.

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How 63090 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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