Real Estate Investing in Lake Saint Louis, Missouri (63367)

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

Saint Charles County • Population: 27,893 • Data updated: September 2026

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Should you buy in 63367 (Lake Saint Louis, MO)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

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

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Lake Saint Louis, MO (63367)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $444,666
Avg Monthly Rent $1,724
1% Rule ✗ Does Not Meet
Median Income $131,657
% Renters 16.2%

Market Analysis: 63367 Lake Saint Louis

The 63367 ZIP in Lake Saint Louis, MO is a local-operator market. Outside capital chasing a $445K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $445K asset, 63367 is the wrong submarket. If the plan prices in friction, the yield can still work.

ZIP 63367's metrics run below Saint Charles County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 63367 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 63367 is an operator game, not a passive one. From an investor standpoint, entry prices of $445K 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 Lake Saint Louis:

B Good
Buy Confidence Score: 74/100
Affordability
20/25
Appreciation
18/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.4× the median income
Value Trend
Stable (+1.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,724/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 63367

Which property type performs best in this market?

Best for Cash Flow
2BR
4.2% cap rate
Best for Appreciation
2BR
+6.3% 5yr CAGR
Best Overall Value
5BR
$125,988/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $239,603 $1,370 4.1% +6.0% $239,603
2BR $285,590 $1,680 4.2% +6.3% $142,795
3BR $388,047 $2,160 4.0% +5.9% $129,349
4BR $510,144 $2,500 3.5% +5.5% $127,536
5BR $629,941 +5.8% $125,988

Market Trends

Home Value History (with trend line)

$465K$414K$362K$310K$259K$207KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,924$1,846$1,768$1,689$1,611$1,533Jan 2023Oct 2024Jul 2026

📊 How Does 63367 Compare?

Metric 63367 Lake Saint Louis St. Louis, MO-IL Missouri
Home Value $444,666 $444,666 N/A $254,657
5-Year CAGR 3.6% 3.6% N/A 7.0%
Avg Rent $1,724 $1,724 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 63367? 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 63367 (Lake Saint Louis, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+3.6%
Moderate

📊 Market Snapshot

Home Value $444,666
Monthly Rent $1,724
Price-to-Rent 21.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.0%
5-Year IRR 6.6%

📈 Home Appreciation

1-Year +1.7% ▲
3-Year CAGR +1.5% ▲
5-Year CAGR +3.6% ▲
10-Year CAGR +5.0% ▲

🏠 Rent Trends

1-Year -3.9% ▼
3-Year CAGR +1.2% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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
1.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63367

Population: 27,893

💰 Median Household Income
$131,657
This area
$131,657
State
$62,768
USA
$74,580
🏠 Renter Occupied
16.2%
This area
16.2%
State
23.7%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-8.1%
USA
3.7%
🎓 College Educated
49.2%
This area
49.2%
State
8.6%
USA
33.7%
👤 Median Age
39.8 years
This area
39.8 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
1.9%
This area
1.9%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 86.9%
Other/Mixed 6.0%
Black/African American 5.4%
Hispanic/Latino 3.6%
Asian 1.7%
👶 Under 18
24.4%
This area
24.4%
USA
22.0%
👴 65 and Over
16.8%
This area
16.8%
USA
17.3%
📊 Poverty Rate
2.9%
This area
2.9%
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 63367

B+ Avg School Grade
4 Schools
15.0:1 Avg Class Size
$15,788 Avg Per Pupil

Schools in This ZIP Code

A Very Good

DISCOVERY RIDGE ELEMENTARY

📚 K – 05 Elementary
👥
587 Students
👨‍🏫
13.9:1 Class Size
💰
$15,788 Per Student
A Very Good

DUELLO ELEM.

📚 K – 05 Elementary
👥
647 Students
👨‍🏫
14.1:1 Class Size
💰
$15,788 Per Student
A Very Good

GREEN TREE ELEM.

📚 K – 05 Elementary
👥
628 Students
👨‍🏫
13.9:1 Class Size
💰
$15,788 Per Student
C+ Average

LIBERTY HIGH SCHOOL

📚 09 – 12 High School
👥
1,669 Students
👨‍🏫
18.1:1 Class Size
💰
$15,788 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

4 Nearby 1,381 Off-Campus Students
C
Urshan College
514 students · 2.8 mi
C
Urshan Graduate School of Theology
120 students · 2.8 mi
C
St Charles Community College
5,902 students · 8.4 mi
C
The Salon Professional Academy-St Charles
117 students · 13.8 mi

Investor Insight: With 1,381 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is real estate in Lake Saint Louis, MO a good investment right now?

Lake Saint Louis, MO shows an investability rating of 3.0/5, with median home values near $445K and average rents around $1,724/mo. That combination puts it in the impressive tier for investor interest.

What is the average monthly rent in Lake Saint Louis, MO?

Rental rates in Lake Saint Louis, MO average $1,724/mo. Tenant demand and $445K home values make the yield look reasonable by investor standards.

Is housing expensive in Lake Saint Louis, MO?

Homes in Lake Saint Louis, MO typically sell near $445K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.

How high is vacancy risk in Lake Saint Louis, MO?

Lake Saint Louis, MO vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Which investment style suits Lake Saint Louis, MO?

For Lake 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.

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How 63367 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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