Real Estate Investing in Clayton, Missouri (63105)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 63105 (Clayton, MO)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 40.3 — hard to cash-flow at these prices.
What’s happening in Clayton, MO (63105)?
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Market Analysis: 63105 Clayton
Meanwhile, ZIP 63105 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $817K median. It rewards specialists, not generalists.
For an experienced owner, 63105 can be a a strong candidate for hunting ground — but the discount at $817K reflects genuine risk that outside investors often underestimate.
Statewide comparisons place 63105 among MO's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Employment concentration in 63105 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 63105 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Clayton:
Property Strategy for 63105
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $187,751 | $1,410 | 5.4% | +1.2% | $187,751 |
| 2BR | $407,573 | $1,730 | 3.1% | +1.8% | $203,786 |
| 3BR | $789,845 | $2,230 | 2.0% | +4.3% | $263,282 |
| 4BR | $1,133,048 | $2,570 | 1.6% | +5.1% | $283,262 |
| 5BR | $1,672,240 | — | — | +5.2% | $334,448 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 63105 Compare?
| Metric | 63105 | Clayton | St. Louis, MO-IL | Missouri |
|---|---|---|---|---|
| Home Value | $816,600 | $816,600 | N/A | $254,657 |
| 5-Year CAGR | 4.1% | 4.1% | N/A | 7.0% |
| Avg Rent | $1,687 | $1,687 | N/A | - |
| Cap Rate | 1.6% | 1.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 63105 (Clayton, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $816,600 |
| Monthly Rent | $1,687 |
| Price-to-Rent | 40.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.5% |
| Cap Rate | 1.6% |
| 5-Year IRR | 5.7% |
📈 Home Appreciation
| 1-Year | +6.8% ▲ |
| 3-Year CAGR | +4.7% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +4.0% ▲ |
🏠 Rent Trends
| 1-Year | -3.5% ▼ |
| 3-Year CAGR | +1.9% ▲ |
| 5-Year CAGR | +3.7% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.6%). 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.
Demographics in 63105
Population: 18,860
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 63105
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
BRITTANY WOODS
FLYNN PARK ELEM.
MRH ELEMENTARY
JACKSON PARK ELEM.
MCGRATH ELEM.
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
Frequently Asked Questions
What does house hacking look like in Clayton, MO?
The house hack math a challenging in Clayton, MO. Owner-occupant buyers benefit from the $1,687/mo rents and $817K home values.
Is it easy to find good tenants in Clayton, MO?
The tenant pool in Clayton, MO is solid, supported by local employment and population fundamentals. Rents of $1,687/mo are well-absorbed by the market.
How does Clayton, MO rate as a rental market?
The 3.0/5 investability rating in Clayton, MO reflects its $817K prices and $1,687/mo rents. Investors generally consider it a solid option within MO.
Are landlord laws favorable in Clayton, MO?
The landlord environment in Clayton, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What is the average monthly rent in Clayton, MO?
Clayton, MO rentals go for roughly $1,687/mo a month. That puts gross yield in solid territory relative to $817K acquisition costs.
You know 63105 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 63105 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 63105 ranks in St. Louis, MO-IL
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