US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 63021
  5. Housing & Real Estate
Ballwin city, MO

ZIP 63021 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63021

Median Home Value
$324,300
Median Rent
$1,204
Affordability Snapshot
$89,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,083/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.4 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 63021 in Ballwin city, MO, a household would need roughly $89,000 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 $2,083. That sits below the local median household income ($113,822), 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
79.0%+21% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.1%-55% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$324,300
Home Value
$1,204
Rent
1983
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 detached71.8%
  • 1-unit attached8.3%
  • 2-9 units11.0%
  • 10+ units8.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$324,300
Median rent$1,204
Owner-occupied79.0%
Vacant3.4%
Price-to-income2.8x
Est. income to buy$89,000