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O'Fallon city, MO

ZIP 63366 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63366

Median Home Value
$283,900
Median Rent
$1,066
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,824/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 63366 in O'Fallon city, MO, a household would need roughly $78,000 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 $1,824. That sits below the local median household income ($98,237), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.1%+24% vs US avg
x
Vacancy Rate
3.0%-70% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
2.8%-59% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
26.6%-30% vs US avg
x
$283,900
Home Value
$1,066
Rent
1998
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached74.5%
  • 1-unit attached9.5%
  • 2-9 units5.2%
  • 10+ units5.5%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$283,900
Median rent$1,066
Owner-occupied81.1%
Vacant3.0%
Price-to-income2.9x
Est. income to buy$78,000