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St. Louis city, MO

ZIP 63102 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63102

Median Home Value
$179,100
Median Rent
$1,084
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,150/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 63102 in St. Louis city, MO, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,150. That sits below the local median household income ($60,313), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
6.7%-90% vs US avg
x
Vacancy Rate
7.8%-24% vs US avg
x
Broadband Access
93.4%+7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
6.4%-7% vs US avg
x
Rent Burden >30%
11.8%-76% vs US avg
x
Mortgage-Free
86.9%+127% vs US avg
x
$179,100
Home Value
$1,084
Rent
1967
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached3.4%
  • 1-unit attached0.0%
  • 2-9 units1.1%
  • 10+ units95.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$179,100
Median rent$1,084
Owner-occupied6.7%
Vacant7.8%
Price-to-income3.0x
Est. income to buy$49,000