Real Estate Investing in Saint Louis, Missouri (63118)

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

Saint Louis City • Population: 25,645 • Data updated: September 2026

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Should you buy in 63118 (Saint Louis, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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
1 flag
  • High vacancy: 20.4% of homes vacant — above national norms.

What’s happening in Saint Louis, MO (63118)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $181,017
Avg Monthly Rent $1,176
1% Rule ✗ Does Not Meet
Median Income $48,464
% Renters 58.4%

Market Analysis: 63118 Saint Louis

This part of Saint Louis City is not an easy win. The 63118 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The 63118 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Nearby ZIPs in Saint Louis have seen price recovery that 63118 has not matched. Saint Louis City data supports the view that the spread is structural rather than temporary.

The 63118 ZIP's population of 25,645 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that shows the need for careful underwriting.

Strategy in 63118 is an operator game, not a passive one. In practical terms, entry prices of $181K are inviting, the management lift is real and non-optional.

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: 65/100
Affordability
15/25
Appreciation
14/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Stable (+2.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,176/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 63118

Which property type performs best in this market?

Best for Cash Flow
1BR
6.1% cap rate
Best for Appreciation
1BR
+5.3% 5yr CAGR
Best Overall Value
4BR
$66,936/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $112,314 $950 6.1% +5.3% $112,314
2BR $150,056 $1,160 5.6% +4.3% $75,028
3BR $240,617 $1,490 4.5% +4.5% $80,206
4BR $267,745 $1,730 4.7% +4.4% $66,936
5BR $349,785 +4.4% $69,957

Market Trends

Home Value History (with trend line)

$200K$174K$148K$121K$95K$68KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,301$1,202$1,104$1,005$906$807Feb 2021Nov 2023Jul 2026

📊 How Does 63118 Compare?

Metric 63118 Saint Louis St. Louis, MO-IL Missouri
Home Value $181,017 $151,242 N/A $254,657
5-Year CAGR 1.6% 1.0% N/A 7.0%
Avg Rent $1,176 $1,223 N/A -
Cap Rate 5.1% 8.2% - -
💡 Why Invest in 63118? Click to expand

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

58% 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 63118 (Saint Louis, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.1%
Fair
5yr Growth
+1.6%
Slow

📊 Market Snapshot

Home Value $181,017
Monthly Rent $1,176
Price-to-Rent 12.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.8%
Cap Rate 5.1%
5-Year IRR 6.6%

📈 Home Appreciation

1-Year +2.8% ▲
3-Year CAGR -0.1% ▼
5-Year CAGR +1.6% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year +2.6% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +5.8% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 5.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.1%). 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
20.4%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.6%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 63118

Population: 25,645

💰 Median Household Income
$48,464
This area
$48,464
State
$62,768
USA
$74,580
🏠 Renter Occupied
58.4%
This area
58.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-8.1%
USA
3.7%
🎓 College Educated
35.4%
This area
35.4%
State
8.6%
USA
33.7%
👤 Median Age
34.1 years
This area
34.1 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 44.3%
White 44.0%
Other/Mixed 8.8%
Hispanic/Latino 4.8%
Asian 2.8%
👶 Under 18
24.2%
This area
24.2%
USA
22.0%
👴 65 and Over
11.7%
This area
11.7%
USA
17.3%
📊 Poverty Rate
15.2%
This area
15.2%
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 63118

A Avg School Grade
14 Schools
11.2:1 Avg Class Size
$17,316 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

ROOSEVELT HIGH

📚 09 – 12 High School
👥
473 Students
👨‍🏫
11.4:1 Class Size
💰
$19,285 Per Student
A+ Excellent

SOUTH CITY

📚 Pre-K – 08 School Charter
👥
782 Students
👨‍🏫
11.0:1 Class Size
💰
$17,326 Per Student
A Very Good

MONROE ELEM.

📚 Pre-K – 06 School
👥
212 Students
👨‍🏫
14.1:1 Class Size
💰
$19,285 Per Student
A Very Good

KIPP TRIUMPH ACADEMY

📚 05 – 08 School Charter
👥
328 Students
👨‍🏫
9.2:1 Class Size
💰
$16,242 Per Student
A Very Good

KIPP VICTORY ACADEMY

📚 K – 04 Elementary Charter
👥
478 Students
👨‍🏫
11.3:1 Class Size
💰
$16,242 Per Student
A Very Good

Carnahan Middle

📚 06 – 07 Middle
👥
72 Students
👨‍🏫
6.0:1 Class Size
💰
$19,285 Per Student
A Very Good

FROEBEL ELEM.

📚 Pre-K – 05 Elementary
👥
149 Students
👨‍🏫
14.9:1 Class Size
💰
$19,285 Per Student
A Very Good

MERAMEC ELEM.

📚 Pre-K – 05 Elementary
👥
187 Students
👨‍🏫
12.5:1 Class Size
💰
$19,285 Per Student
A Very Good

KAIROS ACADEMIES

📚 05 – 08 School Charter
👥
257 Students
👨‍🏫
9.0:1 Class Size
💰
$14,675 Per Student
A Very Good

Kairos High

📚 09 – 10 High School Charter
👥
234 Students
👨‍🏫
7.4:1 Class Size
💰
$14,675 Per Student
B+ Above Average

KIPP WONDER ACADEMY

📚 Pre-K – 04 Elementary Charter
👥
312 Students
👨‍🏫
15.0:1 Class Size
💰
$16,242 Per Student
B+ Above Average

CARNAHAN SCH. OF THE FUTURE

📚 Grade 12 High School
👥
54 Students
👨‍🏫
12.7:1 Class Size
💰
$19,285 Per Student
B+ Above Average

MOMENTUM ACAD GRAVOIS PARK

📚 K – 08 School Charter
👥
135 Students
👨‍🏫
8.9:1 Class Size
💰
$15,657 Per Student
B+ Above Average

MOMENTUM ACAD TOWER GROVE EAST

📚 K – 08 School Charter
👥
154 Students
👨‍🏫
13.7:1 Class Size
💰
$15,657 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+
Harris-Stowe State University
1,098 students · 2.7 mi
D
Ponce Health Sciences University-St Louis
119 students · 2.8 mi
C
Aquinas Institute of Theology
83 students · 3.0 mi
C+
Stevens-The Institute of Business & Arts
95 students · 3.1 mi
B
Saint Louis University
17,202 students · 3.1 mi
C
St Louis College of Health Careers-St Louis
108 students · 3.4 mi
C
Barnes-Jewish College Goldfarb School of Nursing
499 students · 3.6 mi
C+
University of Health Sciences and Pharmacy in St. Louis
631 students · 3.6 mi

Frequently Asked Questions

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

The median home value in Saint Louis, MO is roughly $181K. That puts it reasonable relative to the MO statewide average.

What approach is best for Saint Louis, MO real estate?

In Saint Louis, MO the robust play is typically careful cash-flow rentals with hands-on management. The combination of $181K prices and $1,176/mo rents suits that approach.

How do landlord-tenant laws work in Saint Louis, MO?

Saint Louis, MO operates under MO law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

Is Saint Louis, MO good for house hacking?

House hacking in Saint Louis, MO is reasonable to execute. Prices around $181K and rents of $1,176/mo solid owner-occupant economics.

How strong is the working-renter base in Saint Louis, MO?

Working renters make up the core of the Saint Louis, MO tenant base. The pool is reasonable for investors targeting long-term holds.

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How 63118 ranks in St. Louis, MO-IL

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Cash Flow → Appreciation → Affordable → 1% Rule →
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