Real Estate Investing in Saint Louis, Missouri (63109)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 63109 (Saint Louis, MO)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Saint Louis, MO (63109)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 63109 Saint Louis
This part of Saint Louis City is not an easy win. The 63109 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 63109 is healthy only for operators who understand what they are buying. A $276K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 63109 and stronger Saint Louis ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 63109 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Saint Louis's stable or hybrid ZIPs before stepping into 63109. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Saint Louis:
Property Strategy for 63109
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $168,192 | $1,010 | 4.3% | +7.8% | $168,192 |
| 2BR | $245,177 | $1,240 | 3.6% | +6.0% | $122,588 |
| 3BR | $322,977 | $1,600 | 3.6% | +5.6% | $107,659 |
| 4BR | $359,013 | $1,840 | 3.7% | +4.9% | $89,753 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 63109 Compare?
| Metric | 63109 | Saint Louis | St. Louis, MO-IL | Missouri |
|---|---|---|---|---|
| Home Value | $276,171 | $151,242 | N/A | $254,657 |
| 5-Year CAGR | 4.1% | 1.0% | N/A | 7.0% |
| Avg Rent | $1,223 | $1,223 | N/A | - |
| Cap Rate | 3.5% | 8.2% | - | - |
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 63109 (Saint Louis, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $276,171 |
| Monthly Rent | $1,223 |
| Price-to-Rent | 18.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.5% |
| 5-Year IRR | 7.5% |
📈 Home Appreciation
| 1-Year | +5.3% ▲ |
| 3-Year CAGR | +3.6% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +5.4% ▲ |
🏠 Rent Trends
| 1-Year | +0.6% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +5.7% ▲ |
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.
Demographics in 63109
Population: 25,743
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 63109
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
MRH MIDDLE
MAPLEWOOD-RICHMOND HGTS. HIGH
MRH EARLY CHILDHOOD CENTER
Woerner Elem
BETTY WHEELER CLASSICAL JR. AC
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
How much does a house cost in Saint Louis, MO?
The median home value in Saint Louis, MO is roughly $276K. That puts it reasonable relative to the MO statewide average.
Is it easy to find good tenants in Saint Louis, MO?
Saint Louis, MO offers a reliable renter base at the $1,223/mo rent level. Tenant turnover is reasonable for well-managed properties.
How does Saint Louis, MO stack up for property investment?
With a 3.0/5 investability score, Saint Louis, MO ranks as a solid market for rental property investors. Median prices of $276K and rents of $1,223/mo drive the underlying numbers.
Can I live-in-and-rent in Saint Louis, MO?
Saint Louis, MO is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $276K price point reasonable to enter.
Does Saint Louis, MO favor landlords or tenants?
For rental operators, Saint Louis, MO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
You know 63109 now. You don’t know where it ranks.
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How 63109 ranks in St. Louis, MO-IL
Every ZIP in this metro, ranked. Free.
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