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St. Louis city, MO

ZIP 63120 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63120

Median Home Value
$52,300
Median Rent
$656
Affordability Snapshot
$14,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$336/mo PITI).

23%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.6 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 63120 in St. Louis city, 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.

Housing Tenure

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
44.6%-32% vs US avg
x
Vacancy Rate
32.3%+213% vs US avg
x
Broadband Access
77.0%-11% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
14.0%+9% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.9%-32% vs US avg
x
Mortgage-Free
67.9%+78% vs US avg
x
$52,300
Home Value
$656
Rent
1943
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached64.4%
  • 1-unit attached3.4%
  • 2-9 units29.4%
  • 10+ units1.3%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$52,300
Median rent$656
Owner-occupied44.6%
Vacant32.3%
Price-to-income1.5x
Est. income to buy$14,000