St. Louis, MO — Momentum Score, Home Values & Best-For

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St. Louis city · St. Louis · population 279,695

AffordabilityShrinkingBig-city amenities
St. Louis, MO
Image: Wikipedia · St. Louis
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57
Stable
Momentum score · 0–100

Where St. Louis stands

At or near all-time high. population shrinking 1.9% per year.

Median home $186,427
1-year +0.2%
5-yr CAGR +3.2%
vs 5-yr peak -0.2%
Population -1.9%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2026-03$186k$101k$132k$163k$194k201620182020202220242026

Lifestyle scores

🚶
Walkability
52/100
Somewhat walkable
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
55/100
Some transit
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
76/100
Strong remote-work fit
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent trajectory · last 5 years

Zillow ZORI · monthly
$1,379/mo$996$1,229$1,462202220242026

Home value vs rent · indexed to 100

Both rebased at first month of ZORI data (~2015)
Home valueRent117130100120202220242026

Rent vs buy

Price-to-rent ratio: 11.3
Buy

At a 11.3 price-to-rent ratio, buying generally beats renting in St. Louis on a long-enough horizon. The headline math is that one year of mortgage payments approximates 11.3 years of rent — well below the 15+ threshold where ownership starts to dominate.

How the momentum score breaks down

methodology →
Home YoY
51 · w22%
Home 5-yr CAGR
54 · w22%
Distance from peak
89 · w18%
Population growth
17 · w16%
Rent YoY
72 · w12%
Home 10-yr CAGR
65 · w10%
Long thesis

St. Louis offers a $186,427 median home with +3.2% annualized 5-year appreciation. Affordability + positive trend is one of the better risk/reward setups in US residential — small downside, room to compound.

Short thesis

St. Louis's population is shrinking 1.9% per year. Housing demand has to come from somewhere — if people are leaving, the buyer pool is shrinking faster than the inventory. That eventually shows up in price.

About St. Louis

St. Louis is a city in St. Louis city, Missouri, with an estimated population of 279,695. The population has contracted 1.9% per year on average since 2020. The median home value in St. Louis is $186,427 as of 2026-04, up 0.2% over the last 12 months. Over the last five years, home values have averaged +3.2% annual growth, with prices at or near the 5-year peak. Rents in St. Louis average $1,379 per month, up 4.0% year-over-year. The composite momentum score is 57 of 100 (Stable). Conditions are neither hot nor cold, so the local fit matters more than market timing.

Bull case

Held the highs: currently -0.2% from the 5-year peak — this market refused to give back gains.
Cheap entry point: $186,427 median home is well below the US median of $355k — room to grow without overpaying.

Bear case

Net out-migration: population shrinking 1.9% per year — services, schools, and tax base will follow.
Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

About St. Louis (Wikipedia)

St. Louis is an independent city in the U.S. state of Missouri. It lies near the confluence of the Mississippi and the Missouri rivers. In 2020, the city proper had a population of 301,578, while its metropolitan area, which extends into Illinois, had an estimated population of over 2.8 million. It is the largest metropolitan area in Missouri and the second-largest in Illinois. The city's combined statistical area is the 20th-largest in the United States.

Source: Wikipedia · this summary is contributed and licensed under CC-BY-SA.

City facts

MayorCara Spencer (D)
Area66.17 sq mi
Elevation466 ft
FoundedFebruary 14, 1764
Density4886.23/sq mi
Named forLouis IX of France

Extracted from the Wikipedia infobox. Values may be slightly out of date relative to the latest sources.

Playbook

Buyer

Lifestyle fit matters more than market timing in a Stable market. Take your time on the home and neighborhood; the macro trend isn't urgent. Negotiate normally.

Seller

Price competitively from day one or risk a 60+ day listing. Staging, photography, and presentation matter more in Stable markets than in Hot ones.

Investor

Stable cap rates, no big appreciation story to lean on. Underwrite this as a pure cash-flow play — the math has to work on rent alone.

Local safety & alerts

No active National Weather Service alerts for St. Louis city right now.

Public-safety links are official .gov sources, not curated by us. St. Louis city routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like St. Louis

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
39° / 22°
avg high / low
Summer (Jul)
88° / 67°
avg high / low
Sunny days/yr
211
~58% of year
Annual precip
42″ rain
16″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Very low
Tornado
Very high
Wildfire
Very low
Earthquake
High
Flood
High

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Local sports teams

Major professional teams the St. Louis area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current St. Louis listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local news & community

Updated 2026-05-21 from Google News + Reddit RSS. Headlines link to original sources.

Local economy & environment

Humidity
70%
Humid climate
Median household income
$65,900
Missouri state median
Top industries (state-level)
HealthcareManufacturingFinance

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

Cities similar to St. Louis

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