HousingHandbookReference data

U.S. ZIP Code · MO63039

Franklin County · St. Louis, MO-IL

Typical home value

$228,255[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+10.5%
5-year / yr
+6.3%
10-year / yr
+5.6%

Relative price

vs U.S.
-19.6%
vs metro
-8.9%
vs state
-5.1%
ZIP 63039 location in MO
Location of ZIP 63039 in MO

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 63039 is worth $228,255 — 8.9% below the St. Louis, MO-IL median. Over the past year, values have risen 10.5%. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.6%[3]
Typical annual tax
$1,421[3]

#Climate risk

FEMA National Risk Index ratings for Franklin County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Relatively Low
Drought
Very Low
Heat wave
Relatively Moderate
Hurricane
Very Low
Tornado
Relatively Moderate
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
986[3]
Median household income
$70,329[3]

#Migration

Household moves in and out of Franklin County over a year, from IRS tax-return data.

Net migration
+253[5]
Moved in
2,434
Moved out
2,181

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,154
Loan principal$182,604
Down payment$45,651
Total interest paid$232,902

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,462
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
91st percentile[1]
Rental yield
[2]
Property tax
6th percentile[3]

Frequently asked

How much is a home worth in ZIP code 63039?
The typical home in 63039 is worth $228,255, based on the Zillow Home Value Index.
Are home values rising in 63039?
Home values in 63039 are up 10.5% over the past year, and up 6.3% a year over five years.
What is the property tax rate in 63039?
The effective property tax rate in 63039 is 0.6% — roughly $1,421 a year on a typical home.
Who lives in 63039?
ZIP code 63039 has a population of 986 and a median household income of $70,329.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • St. Louis, MO

    Typical home
    $227,573
    Gross yield
    6.8%
  • Moro CDP, IL

    Typical home
    $230,292
    Gross yield
  • MO

    Typical home
    $230,489
    Gross yield
  • Crystal City, MO

    Typical home
    $231,087
    Gross yield
  • New Baden, IL

    Typical home
    $223,921
    Gross yield
  • New Douglas, IL

    Typical home
    $222,694
    Gross yield

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