Median home value is about $52,300 — about 85% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $656 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 44.6% (about 20.8 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 63120 in St. Louis, MO, a household would need roughly $14,000 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 $336. That sits below the local median household income ($34,097), 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.