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St Louis, MO

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US location · verified

Neighborhood intelligence

Your St Louis relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for St Louis.

Median rent

$997/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,349/mo

Median household income

$56,160

ACS 2024 5-year

Median home value

$197,500

ACS 2024 5-year

Safety score

23/100

FBI CDE

Weather

66°F (H 76° / L 57°)

Open-Meteo

Buying in St Louis? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

23/100

FBI CDE

Worth extra due diligence — 243% above average FBI data, 2023–2024

Below Average

Noise Level

36 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 66°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 44 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in St Louis MO

St Louis is one of the more affordable options in its region at $997/month typical rent. Safety scores 23/100.

St Louis has about 288,512 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is St Louis MO Safe?

St Louis MO scores 23/100 on safety (well below average). Crime is about 243% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 343 (100 = avg); violent crime index 372; property crime index 313. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in St Louis MO

School quality varies by neighborhood in St Louis. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in St Louis MO

Typical rent in St Louis is about $997/month (affordable). At $997/month for a typical unit, you need about $35,892+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $197,500.

Median household income is $56,160, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($56,160) clears the $35,892 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in St Louis MO

Average temperature is about 66°F (highs near 76°F, lows near 57°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to St Louis MO?

Who tends to thrive in St Louis: (1) Renters who want $997/month housing without coastal prices (comfort income is about $35,892) (2) Households earning $35,892+ who can clear the 3× rent rule at $997/month (3) Movers with a locked job offer in St Louis who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 23/100) (2) Households expecting top marks on rent and safety at once (St Louis does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $35,892 household income for $997/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to St Louis requires serious research first. Safety scores 23/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for St Louis when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for St Louis.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,403

Mortgage + tax + insurance + HOA

Annual property tax

$2,864

Annual est. $5,580

Est. monthly utilities

$310

Climate-adjusted electric, gas & water

Median home price

$197,500

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$178k
2022
$182k
2023
$187k
2024
$192k
2025
$198k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$406/mo vs buying
$997ACS 2024 5-year
Rent
$1,403
Buy

Mortgage

$999

Property tax

$239

Insurance

$71

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$2,621/yr

2024

1.37%

$2,700/yr

2025

1.41%

$2,781/yr

2026

1.45%

$2,864/yr

Buying in St Louis? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$846/yr

moderate exposure
Wind hazard index44 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 66°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $846.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from St Louis to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo