Real Estate Investing in Ferguson, Missouri (63135)

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

Saint Louis County • Population: 19,446 • Data updated: September 2026

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Should you buy in 63135 (Ferguson, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
STRONG
5.0 / 5 (100/100)

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: 12.4% of homes vacant — above national norms.

What’s happening in Ferguson, MO (63135)?

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5.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $112,649
Avg Monthly Rent $1,340
1% Rule ✓ Meets
Median Income $53,188
% Renters 46.1%

Market Analysis: 63135 Ferguson

Within Saint Louis County, the 63135 ZIP comes in at a lower entry point around $113K. Looking more closely, operators who can improve stock here typically see outsized uplift.

The a credible choice for angle here is forced equity, not market equity. ZIP 63135 rewards investors who can execute on scope, timeline, and tenant turnover.

Relative to MO, 63135 reads as a working-capital ZIP — prices below average, renter share elevated at 46%, and room for operator-led upside.

The 63135 ZIP's demographic trend has been one of stability with upside — population of 19,446, steady renter share, and an incoming cohort that is willing to pay for improved units.

Flippers with local expertise can do well in 63135. Out-of-state investors should partner with boots-on-the-ground operators or skip the ZIP entirely.

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 Ferguson:

B Good
Buy Confidence Score: 73/100
Affordability
25/25
Appreciation
14/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.1× the median income
Value Trend
Stable (+2.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,340/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 63135

Which property type performs best in this market?

Best for Cash Flow
1BR
13.0% cap rate
Best for Appreciation
2BR
+7.6% 5yr CAGR
Best Overall Value
3BR
$39,916/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $57,989 $1,050 13.0% +7.1% $57,989
2BR $87,655 $1,290 10.6% +7.6% $43,828
3BR $119,747 $1,660 10.0% +6.1% $39,916
4BR $175,525 $1,920 7.9% +5.3% $43,881
5BR $243,332 +4.6% $48,666

Market Trends

Home Value History (with trend line)

$123K$108K$93K$78K$63K$49KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,393$1,304$1,216$1,127$1,039$950Mar 2022May 2024Jul 2026

📊 How Does 63135 Compare?

Metric 63135 Ferguson St. Louis, MO-IL Missouri
Home Value $112,649 $112,649 N/A $254,657
5-Year CAGR 2.7% 2.7% N/A 7.0%
Avg Rent $1,340 $1,340 N/A -
Cap Rate 9.3% 9.3% - -
💡 Why Invest in 63135? Click to expand

This ZIP code meets the 1% rule with rent at $1,340/mo on homes averaging $112,649 — a strong indicator of cash flow potential.

Our analysis gives this area a 5/5 investability rating, placing it in the top tier for rental property potential.

A healthy rental market with 46% renter-occupied households ensures tenant availability.

📊 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 63135 (Ferguson, MO). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
9.3%
Excellent
5yr Growth
+2.7%
Slow

📊 Market Snapshot

Home Value $112,649
Monthly Rent $1,340
Price-to-Rent 7.0:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 14.3%
Cap Rate 9.3%
5-Year IRR 12.0%

📈 Home Appreciation

1-Year +2.6% ▲
3-Year CAGR -0.3% ▼
5-Year CAGR +2.7% ▲
10-Year CAGR +7.3% ▲

🏠 Rent Trends

1-Year +1.0% ▲
3-Year CAGR +6.7% ▲
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 9.3%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (9.3%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

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

Vacancy
12.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63135

Population: 19,446

💰 Median Household Income
$53,188
This area
$53,188
State
$62,768
USA
$74,580
🏠 Renter Occupied
46.1%
This area
46.1%
State
23.7%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-8.1%
USA
3.7%
🎓 College Educated
23.9%
This area
23.9%
State
8.6%
USA
33.7%
👤 Median Age
35.4 years
This area
35.4 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
12.4%
This area
12.4%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
Black/African American 68.5%
White 26.0%
Other/Mixed 5.4%
Hispanic/Latino 2.4%
Asian 0.1%
👶 Under 18
24.9%
This area
24.9%
USA
22.0%
👴 65 and Over
15.4%
This area
15.4%
USA
17.3%
📊 Poverty Rate
16.1%
This area
16.1%
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 63135

B+ Avg School Grade
7 Schools
15.7:1 Avg Class Size
$15,368 Avg Per Pupil

Schools in This ZIP Code

A Very Good

JOHNSON WABASH 6TH GRADE CTR

📚 Grade 06 Middle
👥
264 Students
👨‍🏫
11.2:1 Class Size
💰
$15,368 Per Student
A Very Good

STEAM ACADEMY AT MSB HIGH SCHO

📚 09 – 12 High School
👥
428 Students
👨‍🏫
13.2:1 Class Size
💰
$15,368 Per Student
B+ Above Average

FERGUSON MIDDLE

📚 07 – 08 Middle
👥
621 Students
👨‍🏫
17.7:1 Class Size
💰
$15,368 Per Student
B+ Above Average

WALNUT GROVE ELEM.

📚 Pre-K – 02 Elementary
👥
409 Students
👨‍🏫
16.4:1 Class Size
💰
$15,368 Per Student
B+ Above Average

CENTRAL ELEMENTARY

📚 Pre-K – 02 Elementary
👥
277 Students
👨‍🏫
17.3:1 Class Size
💰
$15,368 Per Student
B+ Above Average

GRIFFITH ELEMENTARY

📚 03 – 05 Elementary
👥
288 Students
👨‍🏫
18.0:1 Class Size
💰
$15,368 Per Student
B+ Above Average

LEE HAMILTON ELEMENTARY

📚 03 – 05 Elementary
👥
285 Students
👨‍🏫
15.8:1 Class Size
💰
$15,368 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A Very Good

NORMANDY EARLY LEARNING CENTER

📚 Pre-K – K Elementary
📍 3101 Nordic Drive, St. Louis
👥
382 Students
👨‍🏫
15.3:1 Class Size
💰
$24,863 Per Student
A Very Good

BEL-NOR

📚 01 – 05 Elementary
📍 3101 NORDIC DR., ST.LOUIS
👥
269 Students
👨‍🏫
16.8:1 Class Size
💰
$24,863 Per Student
A Very Good

BERKELEY ELEMENTARY SCHOOL

📚 03 – 05 Elementary
📍 8300 FROST AVENUE, BERKELEY
👥
365 Students
👨‍🏫
14.5:1 Class Size
💰
$15,368 Per Student
A Very Good

BERMUDA ELEMENTARY

📚 Pre-K – 02 Elementary
📍 5835 BERMUDA DR, ST LOUIS
👥
175 Students
👨‍🏫
10.5:1 Class Size
💰
$15,368 Per Student
A Very Good

JEFFERSON ELEM.

📚 01 – 08 School
📍 4315 CARDWELL DR, ST LOUIS
👥
323 Students
👨‍🏫
21.5:1 Class Size
💰
$24,863 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 3,887 Off-Campus Students
B
University of Missouri-St Louis
14,800 students · 2.8 mi
C
American Trade School
140 students · 4.6 mi
A
Washington University in St Louis
16,500 students · 7.1 mi
C
Ranken Technical College
1,696 students · 7.2 mi
C+
Saint Louis Community College
14,627 students · 7.4 mi
C
Fontbonne University
874 students · 7.5 mi
C
Paul Mitchell the School-St Louis
209 students · 7.5 mi
D
The Continents States University
10 students · 7.7 mi

Investor Insight: With 3,887 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Does Ferguson, MO meet the 1% rule for rental property?

The 1% rule in Ferguson, MO is reasonable to achieve. Rent-to-price at the median ($1,340/mo on $113K) lands around 1.19%.

Does buy-rehab-rent-refinance work in Ferguson, MO?

Ferguson, MO is a strong for BRRRR. Acquiring below market, rehabbing, and leasing at $1,340/mo produces solid refinance appraisals against $113K values.

Can I live-in-and-rent in Ferguson, MO?

Ferguson, MO offers an attractive house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,340/mo rent level.

How strong are rents in Ferguson, MO?

Rent in Ferguson, MO is around $1,340/mo. The resulting rent-to-value relationship with $113K pricing is reasonable for most investor models.

Which real estate strategy fits Ferguson, MO?

For Ferguson, MO, value-add and BRRRR deals is the standard investor playbook. The market structure makes it a reasonable default approach.

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How 63135 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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