Real Estate Investing in Saint Louis, Missouri (63112)

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

Saint Louis City • Population: 18,353 • Data updated: September 2026

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Should you buy in 63112 (Saint Louis, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 20.4% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (1.1% CAGR).
  • Elevated poverty: 20.0% poverty rate — can affect rent collection.

What’s happening in Saint Louis, MO (63112)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $149,397
Avg Monthly Rent $1,328
1% Rule ✗ Does Not Meet
Median Income $40,137
% Renters 65.5%

Market Analysis: 63112 Saint Louis

The 63112 ZIP covers a section of Saint Louis that demands careful diligence. Prices near $149K look accessible, but the work to make a deal cash flow is real.

The investment case in 63112 is impressive only for operators who understand what they are buying. A $149K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Nearby ZIPs in Saint Louis have seen price recovery that 63112 has not matched. Saint Louis City data supports the view that the spread is structural rather than temporary.

The 63112 ZIP's population of 18,353 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that sits at the need for careful underwriting.

New investors are better served looking at Saint Louis's stable or hybrid ZIPs before stepping into 63112. The learning curve here is expensive when the lesson is wrong.

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 Saint Louis:

C+ Average
Buy Confidence Score: 63/100
Affordability
15/25
Appreciation
14/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Declining (-0.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,328/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 63112

Which property type performs best in this market?

Best for Cash Flow
1BR
5.6% cap rate
Best for Appreciation
4BR
+5.4% 5yr CAGR
Best Overall Value
5BR
$65,763/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $119,041 $930 5.6% +2.8% $119,041
2BR $165,111 $1,140 5.0% +2.9% $82,555
3BR $235,485 $1,470 4.5% +4.3% $78,495
4BR $263,781 $1,700 4.6% +5.4% $65,945
5BR $328,815 +3.9% $65,763

Market Trends

Home Value History (with trend line)

$229K$202K$174K$147K$119K$92KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,450$1,308$1,166$1,024$882$740Jan 2017Oct 2021Jul 2026

📊 How Does 63112 Compare?

Metric 63112 Saint Louis St. Louis, MO-IL Missouri
Home Value $149,397 $151,242 N/A $254,657
5-Year CAGR 1.1% 1.0% N/A 7.0%
Avg Rent $1,328 $1,223 N/A -
Cap Rate 6.9% 8.2% - -
💡 Why Invest in 63112? Click to expand

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

66% of households rent in this area, creating consistent tenant demand for landlords.

📊 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 63112 (Saint Louis, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
6.9%
Good
5yr Growth
+1.1%
Slow

📊 Market Snapshot

Home Value $149,397
Monthly Rent $1,328
Price-to-Rent 9.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 10.7%
Cap Rate 6.9%
5-Year IRR 8.0%

📈 Home Appreciation

1-Year -0.2% ▼
3-Year CAGR +0.9% ▲
5-Year CAGR +1.1% ▲
10-Year CAGR +3.2% ▲

🏠 Rent Trends

1-Year +0.7% ▲
3-Year CAGR +2.4% ▲
5-Year CAGR +5.3% ▲
Neutral Leverage Cap Rate: 6.9%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.9%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

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

Vacancy
20.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.1%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 63112

Population: 18,353

💰 Median Household Income
$40,137
This area
$40,137
State
$62,768
USA
$74,580
🏠 Renter Occupied
65.5%
This area
65.5%
State
23.7%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-8.1%
USA
3.7%
🎓 College Educated
40.1%
This area
40.1%
State
8.6%
USA
33.7%
👤 Median Age
33.2 years
This area
33.2 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
20.4%
This area
20.4%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
Black/African American 63.9%
White 25.1%
Other/Mixed 6.3%
Asian 4.6%
Hispanic/Latino 4.5%
👶 Under 18
18.6%
This area
18.6%
USA
22.0%
👴 65 and Over
15.0%
This area
15.0%
USA
17.3%
📊 Poverty Rate
20.0%
This area
20.0%
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 63112

B Avg School Grade
2 Schools
14.2:1 Avg Class Size
$19,285 Avg Per Pupil

Schools in This ZIP Code

A Very Good

LACLEDE ELEM.

📚 Pre-K – 08 School
👥
256 Students
👨‍🏫
14.2:1 Class Size
💰
$19,285 Per Student
C Below Average

REACH ST. LOUIS DAY TREATMENT

📚 06 – 12 High School Limited Data

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

BRITTANY WOODS

📚 06 – 08 Middle
📍 8125 GROBY RD, UNIVERSITY CITY
👥
550 Students
👨‍🏫
10.7:1 Class Size
💰
$20,683 Per Student
A+ Excellent

FLYNN PARK ELEM.

📚 K – 05 Elementary
📍 7220 WATERMAN AVE, UNIVERSITY CITY
👥
313 Students
👨‍🏫
11.8:1 Class Size
💰
$20,683 Per Student
A+ Excellent

GLENRIDGE ELEM.

📚 K – 05 Elementary
📍 7447 WELLINGTON WAY, CLAYTON
👥
318 Students
👨‍🏫
10.5:1 Class Size
💰
$25,130 Per Student
A+ Excellent

WYDOWN MIDDLE

📚 06 – 08 Middle
📍 6500 WYDOWN, CLAYTON
👥
574 Students
👨‍🏫
9.8:1 Class Size
💰
$25,130 Per Student
A+ Excellent

CLAYTON HIGH

📚 09 – 12 High School
📍 #1 MARK TWAIN CIRCLE, CLAYTON
👥
844 Students
👨‍🏫
10.9:1 Class Size
💰
$25,130 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

8 Nearby
C
Paul Mitchell the School-St Louis
209 students · 1.5 mi
D
The Continents States University
10 students · 1.7 mi
A
Washington University in St Louis
16,500 students · 1.7 mi
C
Ranken Technical College
1,696 students · 1.9 mi
C+
University of Health Sciences and Pharmacy in St. Louis
631 students · 2.0 mi
C
Barnes-Jewish College Goldfarb School of Nursing
499 students · 2.1 mi
C
Fontbonne University
874 students · 2.1 mi
C
Concordia Seminary
600 students · 2.2 mi

Frequently Asked Questions

What is it like being a landlord in Saint Louis, MO?

Saint Louis, MO falls under MO landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Where do rents currently stand in Saint Louis, MO?

Average rent in Saint Louis, MO is approximately $1,328/mo per month. Against $149K home values that yields a reasonable rent-to-price ratio.

What is the tenant pool like in Saint Louis, MO?

Tenant demand in Saint Louis, MO is solid. The local workforce $1,328/mo rents across most rental classes.

What investment strategy works best in Saint Louis, MO?

For Saint Louis, MO, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How do home values compare in Saint Louis, MO?

Expect median prices around $149K in Saint Louis, MO. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.

You know 63112 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 63112 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.

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How 63112 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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