B-

Saint Louis, MO

Source:

Affordability Score: 66/100

Population: 927,396 · 45 ZIP codes

The affordability dashboard for Saint Louis, MO aggregates Census ACS 5-Year Estimates across 45 ZIP codes covering 927,396 residents, then layers in county-level federal data to produce an overall grade of B- (66/100). The headline inputs are median household income of $75,413, median home value of $261,339, median rent of $1,146 per month, and 42.5% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,218 per month (studio $955, 1BR $995, 3BR $1,568, 4BR $1,812).

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Saint Louis, MO include education, rent. Unemployment currently reads 5.1% and poverty 15.5% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$75,413
Median household income
Education B+
42.5%
Bachelor's degree or higher
Housing C-
3.5x
Home value $261,339 vs income
Commute B-
22 min
Average commute time
Rent A-
$1,218/mo
2BR fair market rent (19% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare N/A
N/A
Center-based infant care cost

Income & Employment

Median Income
$75,413
▲ 22% vs national
Per Capita Income
$47,092
Unemployment Rate
5.1%
Poverty Rate
15.5%

Housing

Median Home Value
$261,339
▼ 5% vs national
Median Rent
$1,146/mo
Owner Occupied
58.6%
2BR Fair Market Rent
$1,218/mo
▲ 2% vs national

Fair Market Rents by Bedroom

Studio
$955
1BR
$995
2BR
$1,218
3BR
$1,568
4BR
$1,812

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
42.5%
▲ 13 ppt vs national
High School+
66.2%
Median Age
38.7
Avg. Commute
22 min
▼ 4 min vs national

Childcare Costs

Infant (Center)
Toddler (Center)
Preschool (Center)
School-Age (Center)

What This Means

Saint Louis, MO receives an overall affordability grade of B- (66/100), aggregated from 45 ZIP codes with a total population of 927,396. This area performs well in education and rent. Data was unavailable for safety, childcare — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Saint Louis ZIP Codes
View all 45 ZIP codes with demographics and individual scorecards
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What are common questions about this dashboard?

Is Saint Louis, MO affordable?
Saint Louis, MO receives an overall affordability grade of B- (66/100) based on Census, HUD, FBI, and DOL data. Median household income is $75,413. Median home value is $261,339.
What is the cost of living in Saint Louis?
Key cost metrics: Median rent $1,146/mo. 2BR fair market rent $1,218/mo. Median home value $261,339.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →