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St. Clair city, MO

ZIP 63077 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63077

Median Home Value
$161,800
Median Rent
$666
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,039/mo PITI).

14%
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.

20.2 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 63077 in St. Clair city, MO, a household would need roughly $45,000 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 $1,039. That sits below the local median household income ($56,458), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.7%+8% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.2%-61% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$161,800
Home Value
$666
Rent
1977
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached70.1%
  • 1-unit attached1.3%
  • 2-9 units8.1%
  • 10+ units4.5%
  • Mobile home & other16.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,800
Median rent$666
Owner-occupied70.7%
Vacant11.9%
Price-to-income2.9x
Est. income to buy$45,000