Real Estate Investing in O Fallon, Missouri (63366)
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Should you buy in 63366 (O Fallon, 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 O Fallon, MO (63366)?
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Market Analysis: 63366 O Fallon
ZIP 63366 in O Fallon, MO carries a impressive set of headwinds. Home values near $367K and rents of $1,683/mo sit inside a market where underwriting has to be tight.
For an experienced owner, 63366 can be a a credible choice for hunting ground — but the discount at $367K reflects genuine risk that outside investors often underestimate.
The gap between 63366 and stronger O Fallon ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The 63366 ZIP's population of 54,449 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that shows the need for careful underwriting.
Experienced landlords with local relationships tend to find 63366 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in O Fallon:
Property Strategy for 63366
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $260,417 | $1,390 | 3.8% | +7.6% | $130,209 |
| 3BR | $336,061 | $1,790 | 3.8% | +6.5% | $112,020 |
| 4BR | $439,509 | $2,070 | 3.4% | +6.2% | $109,877 |
| 5BR | $501,793 | — | — | +6.0% | $100,359 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 63366 Compare?
| Metric | 63366 | O Fallon | St. Louis, MO-IL | Missouri |
|---|---|---|---|---|
| Home Value | $366,797 | $393,397 | N/A | $254,657 |
| 5-Year CAGR | 4.8% | 4.7% | N/A | 7.0% |
| Avg Rent | $1,683 | $1,762 | N/A | - |
| Cap Rate | 3.6% | 3.5% | - | - |
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 63366 (O Fallon, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $366,797 |
| Monthly Rent | $1,683 |
| Price-to-Rent | 18.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.5% |
| Cap Rate | 3.6% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | +3.9% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +4.8% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 Rent Trends
| 1-Year | -9.2% ▼ |
| 3-Year CAGR | -0.4% ▼ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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 63366
Population: 54,449
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 63366
Schools in This ZIP Code
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
Investor Insight: With 1,381 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much do tenants pay in O Fallon, MO?
Rental rates in O Fallon, MO average $1,683/mo. Tenant demand and $367K home values make the yield look reasonable by investor standards.
Do rentals sit vacant long in O Fallon, MO?
Vacancy in O Fallon, MO is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,683/mo.
Does O Fallon, MO make sense for an investment property?
Investors tracking O Fallon, MO will find a 3.0/5 rating supported by $367K median home values and $1,683/mo rents. That profile suits long-term holders targeting predictable returns.
What investment strategy works best in O Fallon, MO?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in O Fallon, MO. The numbers - $367K homes against $1,683/mo rents - support that play.
Are homes affordable in O Fallon, MO?
Homes in O Fallon, MO typically sell near $367K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.
You know 63366 now. You don’t know where it ranks.
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How 63366 ranks in St. Louis, MO-IL
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