HousingHandbookReference data

U.S. ZIP Code · MO63109

St. Louis city · St. Louis, MO-IL

Typical home value

$270,435[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+0.7%
5-year / yr
+3.6%
10-year / yr
+5.0%

Relative price

vs U.S.
-4.8%
vs metro
+8.0%
vs state
+12.5%
ZIP 63109 location in MO
Location of ZIP 63109 in MO

Price history

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

The typical home in 63109 is worth $270,435 — 8.0% above the St. Louis, MO-IL median. Over the past year, values have risen 0.7%. Homes here rent for a typical $1,171 a month — a 5.2% gross rental yield. The effective property tax rate is 1.1%.

#Rent & investment

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

Monthly rent
$1,171[2]
Gross yield
5.2%[2]
Cap rate
3.1%[2]

#Property tax

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

Effective tax rate
1.1%[3]
Typical annual tax
$3,042[3]

#Climate risk

FEMA National Risk Index ratings for St. Louis city. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
No Rating
Heat wave
Very High
Hurricane
Very Low
Tornado
Very High
Earthquake
Relatively High
Winter weather
Relatively Moderate

#Who lives here

Population
25,236[3]
Median household income
$69,938[3]

#Migration

Household moves in and out of St. Louis city over a year, from IRS tax-return data.

Net migration
-1,395[5]
Moved in
12,331
Moved out
13,726

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
1
Middle
1
High
1
  • BUDER ELEM.

    Elementary · Grades PK–5 · ST. LOUIS CITY

    383 students

  • BUSCH MS CHARACTER ATHLETICS

    Middle · Grades 6–8 · ST. LOUIS CITY

    351 students

  • COMMUNITY ACCESS JOB TRAINING

    High · Grades 8–12 · ST. LOUIS CITY

    81 students

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 yield5.2%
Net yield (after ~40% expenses)3.1%
Annual rent$14,056

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$1,367
Loan principal$216,348
Down payment$54,087
Total interest paid$275,940

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 ratio1.58
Monthly cost to own$1,845
Monthly rent$1,171

Renting is meaningfully cheaper month-to-month.

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
31st percentile[1]
Rental yield
28th percentile[2]
Property tax
45th percentile[3]

Frequently asked

How much is a home worth in ZIP code 63109?
The typical home in 63109 is worth $270,435, based on the Zillow Home Value Index.
Are home values rising in 63109?
Home values in 63109 are up 0.7% over the past year, and up 3.6% a year over five years.
What is the typical rent in 63109?
A typical home in 63109 rents for about $1,171 a month, a gross rental yield of 5.2%.
What is the property tax rate in 63109?
The effective property tax rate in 63109 is 1.1% — roughly $3,042 a year on a typical home.
Who lives in 63109?
ZIP code 63109 has a population of 25,236 and a median household income of $69,938.

#Comparable ZIPs

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

  • Highland, IL

    Typical home
    $269,929
    Gross yield
    5.3%
  • Freeburg, IL

    Typical home
    $272,153
    Gross yield
  • MO

    Typical home
    $273,038
    Gross yield
  • Leslie, MO

    Typical home
    $273,590
    Gross yield
  • Old Jamestown CDP, MO

    Typical home
    $274,219
    Gross yield
    9.3%
  • Arnold, MO

    Typical home
    $275,120
    Gross yield
    6.6%

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