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St. Louis city, MO

ZIP 63106 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63106

Median Home Value
$186,700
Median Rent
$572
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,199/mo PITI).

32%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.7x
Home Price-to-Income Ratio

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

27.2 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 63106 in St. Louis city, 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.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
11.9%-82% vs US avg
x
Vacancy Rate
22.1%+115% vs US avg
x
Broadband Access
72.3%-17% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.8%-46% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$186,700
Home Value
$572
Rent
1983
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached15.4%
  • 1-unit attached8.7%
  • 2-9 units46.6%
  • 10+ units29.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,700
Median rent$572
Owner-occupied11.9%
Vacant22.1%
Price-to-income8.7x
Est. income to buy$51,000