Real Estate Investing in O Fallon, Missouri (63368)
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Should you buy in 63368 (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 (63368)?
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Market Analysis: 63368 O Fallon
ZIP 63368 in O Fallon, MO carries a solid set of headwinds. Home values near $420K and rents of $1,841/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 63368 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in O Fallon have seen price recovery that 63368 has not matched. Saint Charles County data supports the view that the spread is structural rather than temporary.
A resilient renter share of 18% in 63368 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategically, 63368 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in O Fallon:
Property Strategy for 63368
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $280,970 | $1,570 | 4.0% | +7.1% | $140,485 |
| 3BR | $358,188 | $2,020 | 4.1% | +6.4% | $119,396 |
| 4BR | $478,311 | $2,340 | 3.5% | +6.4% | $119,578 |
| 5BR | $572,881 | — | — | +6.6% | $114,576 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 63368 Compare?
| Metric | 63368 | O Fallon | St. Louis, MO-IL | Missouri |
|---|---|---|---|---|
| Home Value | $419,998 | $393,397 | N/A | $254,657 |
| 5-Year CAGR | 4.6% | 4.7% | N/A | 7.0% |
| Avg Rent | $1,841 | $1,762 | N/A | - |
| Cap Rate | 3.4% | 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 63368 (O Fallon, MO). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $419,998 |
| Monthly Rent | $1,841 |
| Price-to-Rent | 19.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.3% |
| Cap Rate | 3.4% |
| 5-Year IRR | 8.0% |
📈 Home Appreciation
| 1-Year | +3.2% ▲ |
| 3-Year CAGR | +2.6% ▲ |
| 5-Year CAGR | +4.6% ▲ |
| 10-Year CAGR | +5.5% ▲ |
🏠 Rent Trends
| 1-Year | -1.3% ▼ |
| 3-Year CAGR | +2.3% ▲ |
| 5-Year CAGR | +3.4% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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.
Demographics in 63368
Population: 45,862
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 63368
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
Is housing expensive in O Fallon, MO?
O Fallon, MO median home values land near $420K. That is reasonable territory for investors looking at $1,841/mo-per-month rentals.
What kind of vacancy should I budget for in O Fallon, MO?
Occupancy in O Fallon, MO runs steady with elevated vacancy. Well-priced units at $1,841/mo lease on reasonable timelines.
Should investors consider O Fallon, MO?
The 3.0/5 investability rating in O Fallon, MO reflects its $420K prices and $1,841/mo rents. Investors generally consider it a solid option within MO.
Which real estate strategy fits O Fallon, MO?
The best-fit strategy in O Fallon, MO is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Is it easy to find good tenants in O Fallon, MO?
Tenant demand in O Fallon, MO is solid. The local workforce $1,841/mo rents across most rental classes.
You know 63368 now. You don’t know where it ranks.
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How 63368 ranks in St. Louis, MO-IL
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