How much is a home worth in ZIP code 63304?

The typical home in 63304 is worth $404,414, based on the Zillow Home Value Index.

Are home values rising in 63304?

Home values in 63304 are up 0.5% over the past year, and up 5.2% a year over five years.

What is the typical rent in 63304?

A typical home in 63304 rents for about $1,716 a month, a gross rental yield of 5.1%.

What is the property tax rate in 63304?

The effective property tax rate in 63304 is 1.0% — roughly $4,089 a year on a typical home.

ZIP code 63304 has a population of 43,195 and a median household income of $114,442.

HousingHandbookReference data

…

U.S. ZIP Code · MO63304

St. Charles County · St. Louis, MO-IL

Typical home value

$404,414^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +0.5%
5-year / yr: +5.2%
10-year / yr: +5.6%

Relative price

vs U.S.: +42.4%
vs metro: +61.4%
vs state: +68.2%

Price history

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

The typical home in 63304 is worth $404,414 — 61.4% above the St. Louis, MO-IL median. Over the past year, values have risen 0.5%. Homes here rent for a typical $1,716 a month — a 5.1% gross rental yield. The effective property tax rate is 1.0%.

#Rent & investment

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

Monthly rent: $1,716^[2]
Gross yield: 5.1%^[2]
Cap rate: 3.1%^[2]

#Property tax

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

Effective tax rate: 1.0%^[3]
Typical annual tax: $4,089^[3]

#Climate risk

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

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

#Who lives here

Population: 43,195^[3]
Median household income: $114,442^[3]

#Migration

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

Net migration: +552^[5]
Moved in: 10,429
Moved out: 9,877

Schools

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

Public schools: 12
Elementary: 3
Middle: 4
High: 2

FRANCIS HOWELL HIGH
High · Grades 9–12 · FRANCIS HOWELL R-III
1,844 students
FRANCIS HOWELL CENTRAL HIGH
High · Grades 9–12 · FRANCIS HOWELL R-III
1,741 students
CENTRAL ELEM.
Elementary · Grades PK–5 · FRANCIS HOWELL R-III
839 students
CASTLIO ELEM.
Elementary · Grades K–5 · FRANCIS HOWELL R-III
838 students
BRYAN MIDDLE
Middle · Grades 6–8 · FRANCIS HOWELL R-III
831 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.

Home value$Monthly rent$

Gross yield5.1%

Net yield (after ~40% expenses)3.1%

Annual rent$20,595

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,045

Loan principal$323,531

Down payment$80,883

Total interest paid$412,646

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.59

Monthly cost to own$2,722

Monthly rent$1,716

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: 64th percentile^[1]
Rental yield: 24th percentile^[2]
Property tax: 32nd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 63304?: The typical home in 63304 is worth $404,414, based on the Zillow Home Value Index.
Are home values rising in 63304?: Home values in 63304 are up 0.5% over the past year, and up 5.2% a year over five years.
What is the typical rent in 63304?: A typical home in 63304 rents for about $1,716 a month, a gross rental yield of 5.1%.
What is the property tax rate in 63304?: The effective property tax rate in 63304 is 1.0% — roughly $4,089 a year on a typical home.
Who lives in 63304?: ZIP code 63304 has a population of 43,195 and a median household income of $114,442.

#Comparable ZIPs

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

63385 vs 63304 →
Wentzville, MO
Typical home
$402,477
Gross yield
5.3%
63368 vs 63304 →
O'Fallon, MO
Typical home
$418,876
Gross yield
5.3%
63021
Ballwin, MO
Typical home
$389,597
Gross yield
5.1%
63025
Eureka, MO
Typical home
$421,924
Gross yield
—
63119
Webster Groves, MO
Typical home
$382,371
Gross yield
5.4%
63055
Gray Summit CDP, MO
Typical home
$377,623
Gross yield
—

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#Jump to section

U.S. ZIP Code · MO63304

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