HousingHandbookReference data

U.S. ZIP Code · MO63123

St. Louis County · St. Louis, MO-IL

Typical home value

$247,042[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+0.7%
5-year / yr
+4.9%
10-year / yr
+5.4%

Relative price

vs U.S.
-13.0%
vs metro
-1.4%
vs state
+2.7%
ZIP 63123 location in MO
Location of ZIP 63123 in MO

Price history

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

The typical home in 63123 is worth $247,042 — 1.4% below the St. Louis, MO-IL median. Over the past year, values have risen 0.7%. Homes here rent for a typical $1,449 a month — a 7.0% gross rental yield. The effective property tax rate is 1.2%.

#Rent & investment

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

Monthly rent
$1,449[2]
Gross yield
7.0%[2]
Cap rate
4.2%[2]

#Property tax

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

Effective tax rate
1.2%[3]
Typical annual tax
$2,976[3]

#Climate risk

FEMA National Risk Index ratings for St. Louis County. "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
Very Low
Heat wave
Very High
Hurricane
Very Low
Tornado
Relatively High
Earthquake
Relatively High
Winter weather
Very High

#Who lives here

Population
49,077[3]
Median household income
$77,055[3]

#Migration

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

Net migration
-2,450[5]
Moved in
23,075
Moved out
25,525

Schools

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

Public schools
8
Elementary
4
Middle
2
High
2
  • BAYLESS ELEMENTARY

    Elementary · Grades PK–5 · BAYLESS

    858 students

  • AFFTON HIGH

    High · Grades 9–12 · AFFTON 101

    739 students

  • MESNIER PRIMARY SCH.

    Elementary · Grades PK–2 · AFFTON 101

    723 students

  • DRESSEL ELEMENTARY SCHOOL

    Elementary · Grades K–5 · LINDBERGH SCHOOLS

    628 students

  • ROGERS MIDDLE

    Middle · Grades 6–8 · AFFTON 101

    579 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 yield7.0%
Net yield (after ~40% expenses)4.2%
Annual rent$17,388

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$1,249
Loan principal$197,634
Down payment$49,408
Total interest paid$252,071

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 ratio1.17
Monthly cost to own$1,702
Monthly rent$1,449

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
52nd percentile[1]
Rental yield
60th percentile[2]
Property tax
50th percentile[3]

Frequently asked

How much is a home worth in ZIP code 63123?
The typical home in 63123 is worth $247,042, based on the Zillow Home Value Index.
Are home values rising in 63123?
Home values in 63123 are up 0.7% over the past year, and up 4.9% a year over five years.
What is the typical rent in 63123?
A typical home in 63123 rents for about $1,449 a month, a gross rental yield of 7.0%.
What is the property tax rate in 63123?
The effective property tax rate in 63123 is 1.2% — roughly $2,976 a year on a typical home.
Who lives in 63123?
ZIP code 63123 has a population of 49,077 and a median household income of $77,055.

#Comparable ZIPs

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

  • MO

    Typical home
    $246,913
    Gross yield
  • Gerald, MO

    Typical home
    $245,955
    Gross yield
  • LaBarque Creek CDP, MO

    Typical home
    $249,671
    Gross yield
  • Shiloh, IL

    Typical home
    $250,500
    Gross yield
    5.5%
  • De Soto, MO

    Typical home
    $243,424
    Gross yield
  • Germantown, IL

    Typical home
    $243,341
    Gross yield

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