FIPS 29189 · population 995,569 · part of St. Louis, MO
The latest county-level Zillow ZORI is $1,477 per month in 2026-06. It is a typical asking-rent index across rental types—not an arithmetic average, signed lease or quote for one property.
| Bedrooms | HUD monthly FMR | Geography | Measurement boundary |
|---|---|---|---|
| Studio | $955 | St. Louis County, MO | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 1 bedroom | $995 | St. Louis County, MO | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 2 bedrooms | $1,218 | St. Louis County, MO | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 3 bedrooms | $1,568 | St. Louis County, MO | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 4 bedrooms | $1,812 | St. Louis County, MO | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
Zillow asking rent, ACS gross rent and HUD FMR describe different housing universes. They remain separate and no metro, city or neighboring-county value replaces missing county evidence.Zillow pulled 2026-07-26 · HUD pulled 2026-07-26
Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.
Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.
Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.
Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2021-2025; latest 2025 vs 2024 · pulled 2026-08-02. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.
BEA per-capita personal income divides all personal income by the county population. It is broader than wages, but it is not household income or a measure of what renters can afford.
HUD CHAS separates renter households by income relative to local HAMFI. Moderate burden means housing costs above 30% through 50% of income; severe burden means more than 50%.
These Apartment List observations match the exact county Census code 29189. They are kept separate from Zillow asking rent, Census occupied-home rent and wider metro measures.
Monthly overall-rent index; missing observations are not filled from another geography.
St. Louis County has an income-case-versus-exit-liquidity tension. In Zillow’s 2026-06 county observation, the median home value was $293,458 and median asking rent was $1,477 per month, producing a published 6.04% gross yield before costs. That combination warrants investigation by owners able to test block-level rents, taxes and insurance; buyers relying on quick resale or broad county averages should be cautious, because listing conditions point to a softer visible sales market.
Zillow reports 2.24% year-over-year home-value growth at its labeled vintage. FHFA’s annual 2025 repeat-transaction HPI rose 3.76%, an appreciation index rather than a home value; its distinct method and vintage mean it cannot be averaged with Zillow. HUD’s two-bedroom FMR is a payment standard, not asking rent and not an input to substitute for published gross yield. The 1.21% effective property-tax rate belongs in carrying-cost review; net yield cannot be established because expenses, vacancy and financing terms are not published.
Realtor.com’s MLS listing market, labeled 2026-06, showed 2,194 active listings, up 18.92% year over year, while median listing price was down 9.91%. Longer marketing time and the price-reduced share reinforce seller-concession evidence, but asking prices, active supply and days on market are not closed sales or proof of buyer demand. Tax-return migration was net outflow and inbound movers had lower average income than outbound movers. In 2025 QCEW, county workplace covered employment declined, even as the covered-worker average weekly wage rose; education and health services was the largest disclosed private supersector, not a portrait of the whole economy. Investor mortgages were 16.78% of reported purchase mortgages, so competition may vary materially by property type and neighborhood.
Inland flood is the dominant hazard, and the modeled expected annual building-value loss ratio is 0.16%; it is a county-level model rather than a property loss estimate. Address-level flood zone, elevation, drainage, insurance quotes and prior claims are therefore essential. Missing sale comparables, submarket vacancy, lease terms, operating expenses, property condition and financing prevent underwriting net income, resale execution and asset-specific climate exposure. County evidence also cannot show whether investor buyers target the same homes as renters or owner-occupants.
This view uses 12 direct Zillow ZIP markets matched to Census ZCTAs. Each ZIP is assigned by its largest HUD residential county share; this is not an exhaustive county inventory.
Direct Zillow ZORI evidence shows a broad current rent band in St. Louis County: displayed ZIP matches run from $1,076 to $1,757, a $681 spread. ZIP 63121 anchors the lower endpoint and 63017 the upper endpoint. ZORI is a typical observed asking-rent index, not a quote for a particular available unit. The decision question is therefore whether a household can find a unit, with its needed bedroom count and lease terms, inside this observed band—not whether one ZIP label is inherently preferable. The displayed set crosses low and high rent points, but it does not establish the county’s full supply, nor does a typical index set a contract rent. Compare a live listing to the relevant band only after confirming its unit specifications.
The three rent series should remain separate. In ACS 2024 five-year data, median gross rent ranges from $985 to $1,709 across the displayed ZCTAs, against $1,209 for the county; these are survey estimates for occupied households, not current advertised terms. FY2026 HUD two-bedroom FMR spans $1,100 to $1,710. That is an administrative bedroom-specific standard, rather than an asking-rent measure. The displayed Zillow-to-HUD comparison ranges from 79.3% in 63146 to 136.7% in 63033. It is useful for placing a ZIP’s ZORI against the two-bedroom benchmark, but it is not evidence that the typical observed asking rent is a two-bedroom rent, that an applicant will pay that proportion, or that ACS, Zillow, and HUD values can be averaged into one affordability number. Time periods and populations differ across the series.
Burden and vacancy introduce a different household screen. The ACS share of renter households spending at least 30% of income on rent ranges from 35.4% to 64.9% in the shown ZCTAs, versus 48.4% countywide. ZIP 63137 sits at the burden high end. Vacancy runs from 3.1% to 21.0%, compared with 7.3% for the county, and the high vacancy endpoint occurs in 63136. These ACS five-year estimates pose a trade-off in screening: burden describes reported strain among existing renter households, while vacancy describes the share of units recorded vacant. A higher vacancy measure may justify checking more listings, but it does not establish immediate availability, concessions, quality, or a reason for either measure. A lower burden measure likewise does not determine a new household’s budget.
Coverage and geography limit how far these comparisons travel. The direct-evidence selection shows 12 ZIP/ZCTA matches from 31 eligible matches and covers 65,789 renter households; it is not a complete county or subcounty inventory. For this St. Louis County display, ZIPs are assigned through the HUD residential-address crosswalk to the county holding the largest share, which ranges from 92.9% to 100% for the shown records. A postal delivery ZIP can still extend beyond the county. The ACS figures use Census ZCTAs, whose mapped areas do not precisely follow the postal ZIP service areas used in listings and addresses. Before acting on any comparison, verify the exact property address and county, live asking rent, bedroom count, availability date, lease duration, utility responsibility, mandatory fees, and household-specific income or program rules.
31 ZIP profiles passed the county gate; the 12 with the most renter households are shown.
| ZIP / ZCTA | Zillow asking rent | ACS gross rent | HUD 2BR | Burden 30%+ | Vacancy | Income screen | HUD county share |
|---|---|---|---|---|---|---|---|
| 63136 | $1,248 | $1,047 | $1,100 | 61.5% | 21.0% | $50k | 92.9% |
| 63114 | $1,326 | $1,096 | $1,260 | 46.3% | 6.2% | $53k | 100.0% |
| 63146 | $1,229 | $1,359 | $1,550 | 38.6% | 6.0% | $49k | 100.0% |
| 63033 | $1,709 | $1,206 | $1,250 | 47.8% | 7.9% | $68k | 100.0% |
| 63123 | $1,476 | $1,006 | $1,230 | 36.0% | 6.1% | $59k | 95.7% |
| 63121 | $1,076 | $985 | $1,110 | 55.5% | 14.3% | $43k | 100.0% |
| 63031 | $1,568 | $1,429 | $1,440 | 47.1% | 7.4% | $63k | 100.0% |
| 63130 | $1,509 | $1,218 | $1,360 | 39.0% | 11.5% | $60k | 98.0% |
| 63129 | $1,432 | $1,108 | $1,200 | 44.7% | 3.1% | $57k | 100.0% |
| 63017 | $1,757 | $1,709 | $1,710 | 35.4% | 3.9% | $70k | 100.0% |
| 63021 | $1,671 | $1,423 | $1,440 | 38.5% | 3.5% | $67k | 100.0% |
| 63137 | $1,386 | $1,103 | $1,170 | 64.9% | 14.0% | $55k | 94.3% |
Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.
Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.
0.159% of building value expected lost per year
$3,335 median annual bill
22,969 in · 25,289 out
$71,309 arriving · $79,458 leaving
1,990 of 11,861 mortgages
Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.
A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.
| County | Population | Price | Rent | Yield | Hazard |
|---|---|---|---|---|---|
| St. Louis County | 995,569 | $293k | $1,477 | 6.0% | inland flooding |
| St. Charles County | 414,535 | $378k | $1,700 | 5.4% | inland flooding |
| St. Louis city | 288,512 | $187k | $1,394 | 8.9% | inland flooding |
| Madison County | 264,238 | $202k | $1,177 | 7.0% | inland flooding |
| St. Clair County | 253,694 | $181k | $1,321 | 8.8% | inland flooding |
| Jefferson County | 229,458 | $298k | $1,484 | 6.0% | inland flooding |
| Franklin County | 105,950 | $273k | $1,156 | 5.1% | inland flooding |
| Lincoln County | 63,057 | $319k | $1,750 | 6.6% | inland flooding |
| Macoupin County | 44,350 | $140k | n/a | n/a | inland flooding |
Yes. The record publishes median asking rent and a gross yield calculated before costs.
No. It is a two-bedroom payment standard, not a market-rent estimate.
Realtor.com reports MLS listing prices, active inventory, marketing time and reductions; it does not provide closed-sale prices.