Median home value is about $186,700 — about 46% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $572 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 11.9% (about 53.5 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 63106 in St. Louis, MO, a household would need roughly $51,000 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 $1,199. That is about 137% above the local median household income ($21,475), 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.