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Clayton city, MO

ZIP 63105 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63105

Median Home Value
$735,500
Median Rent
$1,404
Affordability Snapshot
$202,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,725/mo PITI).

14%
Rent-to-Income Ratio

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

6.2x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

43.7 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 63105 in Clayton city, MO, a household would need roughly $202,000 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 $4,725. That is about 69% above the local median household income ($119,446), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.5%-14% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
95.6%+10% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
9.9%-23% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$735,500
Home Value
$1,404
Rent
1949
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached33.1%
  • 1-unit attached1.9%
  • 2-9 units36.4%
  • 10+ units28.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$735,500
Median rent$1,404
Owner-occupied56.5%
Vacant6.2%
Price-to-income6.2x
Est. income to buy$202,000