Real Estate Investing in Old Monroe, Missouri (63369)

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

Lincoln County • Population: 2,984 • Data updated: September 2026

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Should you buy in 63369 (Old Monroe, MO)? Our answer, based on the numbers below.

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

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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 26.7 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Old Monroe, MO (63369)?

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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 $348,622
Avg Monthly Rent $1,089
1% Rule ✗ Does Not Meet
Median Income $84,882
% Renters 29.4%

Market Analysis: 63369 Old Monroe

From a cash-flow lens, ZIP 63369 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $349K median. It rewards specialists, not generalists.

Rent of $1,089/mo on a $349K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 63369 sits below the stated 0.0% once reality is priced in.

The gap between 63369 and stronger Old Monroe ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The 63369 ZIP's population of 2,984 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 63369 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Old Monroe:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.1× the median income
Value Trend
Rising (+9.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,089/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 63369

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
2BR
+8.9% 5yr CAGR
Best Overall Value
3BR
$112,102/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $236,033 $1,210 3.7% +8.9% $118,017
3BR $336,305 $1,560 3.3% +7.7% $112,102
4BR $528,443 $1,800 2.5% +8.7% $132,111

Market Trends

Home Value History (with trend line)

$366K$318K$270K$222K$174K$126KJun 2008Jul 2017Jul 2026

📊 How Does 63369 Compare?

Metric 63369 Old Monroe St. Louis, MO-IL Missouri
Home Value $348,622 $348,622 N/A $254,657
5-Year CAGR 5.4% 5.4% N/A 7.0%
Avg Rent $1,089 $1,089 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 63369? 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 63369 (Old Monroe, MO). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+5.4%
Moderate

📊 Market Snapshot

Home Value $348,622
Monthly Rent $1,089
Price-to-Rent 26.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.8%
Cap Rate 2.4%
5-Year IRR 7.8%

📈 Home Appreciation

1-Year +9.3% ▲
3-Year CAGR +5.4% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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
1.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 63369

Population: 2,984

💰 Median Household Income
$84,882
This area
$84,882
State
$62,768
USA
$74,580
🏠 Renter Occupied
29.4%
This area
29.4%
State
23.7%
USA
34.0%
💼 Unemployment Rate
0.1%
This area
0.1%
State
-8.1%
USA
3.7%
🎓 College Educated
17.0%
This area
17.0%
State
8.6%
USA
33.7%
👤 Median Age
36.3 years
This area
36.3 years
State
20.4 years
USA
38.9 years
🏚️ Vacancy Rate
1.5%
This area
1.5%
State
18.8%
USA
10.5%
👥 Population by Ethnicity
White 96.8%
Black/African American 2.8%
Asian 0.3%
Other/Mixed 0.2%
👶 Under 18
21.0%
This area
21.0%
USA
22.0%
👴 65 and Over
11.6%
This area
11.6%
USA
17.3%
📊 Poverty Rate
7.2%
This area
7.2%
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

🎓 Nearby Colleges & Universities

3 Nearby 1,381 Off-Campus Students
C
Urshan College
514 students · 9.4 mi
C
Urshan Graduate School of Theology
120 students · 9.4 mi
C
St Charles Community College
5,902 students · 14.3 mi

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

Frequently Asked Questions

How landlord-friendly is Old Monroe, MO?

The landlord environment in Old Monroe, MO is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Is Old Monroe, MO a smart market for rental property?

With a 3.0/5 investability score, Old Monroe, MO ranks as a solid market for rental property investors. Median prices of $349K and rents of $1,089/mo drive the underlying numbers.

What is the median home value in Old Monroe, MO?

Typical homes in Old Monroe, MO go for around $349K. The 5-year CAGR of 0.0% predictable price movement.

What is the average monthly rent in Old Monroe, MO?

Rent in Old Monroe, MO is around $1,089/mo. The resulting rent-to-value relationship with $349K pricing is reasonable for most investor models.

What is the typical renter like in Old Monroe, MO?

Old Monroe, MO offers a steady renter base at the $1,089/mo rent level. Tenant turnover is reasonable for well-managed properties.

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How 63369 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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