Real Estate Investing in Ladue, Missouri (63124)

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

Saint Louis County • Population: 11,009 • Data updated: September 2026

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Should you buy in 63124 (Ladue, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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
1 flag
  • High price-to-rent: Price-to-rent ratio 48.2 — hard to cash-flow at these prices.

What’s happening in Ladue, MO (63124)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $1,305,044
Avg Monthly Rent $2,257
1% Rule ✗ Does Not Meet
Median Income $177,326
% Renters 24.7%

Market Analysis: 63124 Ladue

ZIP 63124 in Ladue, MO carries a sturdy set of headwinds. Home values near $1.3M and rents of $2,257/mo sit inside a market where underwriting has to be tight.

Distressed markets are won on execution, not on spreadsheets. ZIP 63124 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

ZIP 63124's metrics run below Saint Louis County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 63124 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The right play in 63124 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 Ladue:

C+ Average
Buy Confidence Score: 64/100
Affordability
5/25
Appreciation
25/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.4× the median income
Value Trend
Rising (+9.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,257/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 63124

Which property type performs best in this market?

Best for Cash Flow
2BR
3.2% cap rate
Best for Appreciation
5BR
+7.8% 5yr CAGR
Best Overall Value
2BR
$202,767/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $405,533 $1,830 3.2% +5.3% $202,767
3BR $800,519 $2,360 2.1% +7.4% $266,840
4BR $1,331,454 $2,720 1.5% +7.5% $332,863
5BR $2,053,691 +7.8% $410,738

Market Trends

Home Value History (with trend line)

$1.4M$1.2M$1.1M$912K$764K$616KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,636$2,471$2,306$2,141$1,976$1,811Sep 2025Mar 2026Jul 2026

📊 How Does 63124 Compare?

Metric 63124 Ladue St. Louis, MO-IL Missouri
Home Value $1,305,044 $1,305,044 N/A $254,657
5-Year CAGR 7.0% 7.0% N/A 7.0%
Avg Rent $2,257 $2,257 N/A -
Cap Rate 1.4% 1.4% - -
💡 Why Invest in 63124? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 63124 (Ladue, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.4%
Low
5yr Growth
+7.0%
Strong

📊 Market Snapshot

Home Value $1,305,044
Monthly Rent $2,257
Price-to-Rent 48.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.1%
Cap Rate 1.4%
5-Year IRR 8.4%

📈 Home Appreciation

1-Year +9.0% ▲
3-Year CAGR +6.4% ▲
5-Year CAGR +7.0% ▲
10-Year CAGR +5.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.4%). 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
7.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 63124

Population: 11,009

💰 Median Household Income
$177,326
This area
$177,326
State
$62,768
USA
$74,580
🏠 Renter Occupied
24.7%
This area
24.7%
State
23.7%
USA
34.0%
💼 Unemployment Rate
1.0%
This area
1.0%
State
-8.1%
USA
3.7%
🎓 College Educated
80.6%
This area
80.6%
State
8.6%
USA
33.7%
👤 Median Age
49.7 years
This area
49.7 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
7.4%
This area
7.4%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 85.4%
Asian 7.2%
Other/Mixed 5.3%
Hispanic/Latino 3.8%
Black/African American 2.0%
👶 Under 18
18.8%
This area
18.8%
USA
22.0%
👴 65 and Over
27.6%
This area
27.6%
USA
17.3%
📊 Poverty Rate
0.8%
This area
0.8%
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 63124

A+ Avg School Grade
5 Schools
11.1:1 Avg Class Size
$52,045 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

CONWAY ELEMENTARY

📚 K – 04 Elementary
👥
414 Students
👨‍🏫
13.1:1 Class Size
💰
$26,386 Per Student
A+ Excellent

REED ELEMENTARY

📚 K – 04 Elementary
👥
384 Students
👨‍🏫
12.3:1 Class Size
💰
$26,386 Per Student
A Very Good

LITZSINGER

📚 K – 08 School
👥
82 Students
👨‍🏫
2.5:1 Class Size
💰
$154,683 Per Student
A Very Good

LADUE HORTON WATKINS HIGH

📚 09 – 12 High School
👥
1,325 Students
👨‍🏫
14.1:1 Class Size
💰
$26,386 Per Student
A Very Good

LADUE MIDDLE

📚 06 – 08 Middle
👥
1,033 Students
👨‍🏫
13.5:1 Class Size
💰
$26,386 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

GLENRIDGE ELEM.

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

MRH ELEMENTARY

📚 03 – 06 School
📍 7314 Glades Avenue, RICHMOND HEIGHTS
👥
411 Students
👨‍🏫
10.5:1 Class Size
💰
$27,991 Per Student
A+ Excellent

OLD BONHOMME ELEMENTARY

📚 K – 04 Elementary
📍 9661 OLD BONHOMME, ST LOUIS
👥
391 Students
👨‍🏫
12.0:1 Class Size
💰
$26,386 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
D
Healing Arts Center
121 students · 2.5 mi
C
Fontbonne University
874 students · 3.5 mi
D
Eden Theological Seminary
85 students · 3.7 mi
C
Concordia Seminary
600 students · 3.7 mi
A
Washington University in St Louis
16,500 students · 3.8 mi
C
Covenant Theological Seminary
607 students · 3.9 mi
C+
Webster University
7,606 students · 3.9 mi
C
Missouri Baptist University
5,641 students · 4.5 mi

Frequently Asked Questions

Should investors consider Ladue, MO?

Ladue, MO rates 3.0/5 for investability. With median values at $1.3M and rents near $2,257/mo, the market offers reasonable fundamentals for rental investors.

Where do rents currently stand in Ladue, MO?

Average rent in Ladue, MO is approximately $2,257/mo per month. Against $1.3M home values that yields a reasonable rent-to-price ratio.

Do rentals sit vacant long in Ladue, MO?

Vacancy risk in Ladue, MO is elevated. That supports predictable cash flow for typical rental holds.

How should investors approach Ladue, MO?

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

Is Ladue, MO landlord-friendly?

For rental operators, Ladue, MO rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

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How 63124 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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