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St. Louis city, MO

ZIP 63104 — 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 63104

Median Home Value
$249,500
Median Rent
$860
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,603/mo PITI).

15%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.2 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 63104 in St. Louis city, MO, a household would need roughly $69,000 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 $1,603. That is roughly in line with the local median household income ($70,127). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.2%-26% vs US avg
x
Vacancy Rate
10.4%+1% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$249,500
Home Value
$860
Rent
1938
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached27.0%
  • 1-unit attached12.8%
  • 2-9 units41.5%
  • 10+ units18.7%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$249,500
Median rent$860
Owner-occupied48.2%
Vacant10.4%
Price-to-income3.6x
Est. income to buy$69,000