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Verified Neighborhood Report

St Louis, MO

Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.

Report status

US location · verified

Neighborhood intelligence

Your St Louis relocation brief

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

Median rent

$1,218/mo

HUD 2024

Median household income

$52,941

Census ACS 2022

Median home value

$174,100

Census ACS 2022

Safety score

75/100

FBI state avg

Schools

B+

Estimated

Weather

79°F (H 89° / L 68°)

Open-Meteo

Safety & Crime Index

75/100

FBI state avg

Above-average peace of mind — 16% above average

Above Average

Noise Level

45 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 79°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 48 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how St Louis stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in St Louis MO

Typical home values in St Louis, MO sit near $174,100. That is still an entry point for buyers priced out of $500k+ metros.

St Louis has about 298,018 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is St Louis MO Safe?

St Louis MO scores 75/100 on safety (above average). Crime is about 16% above the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 116 (100 = avg); violent crime index 125; property crime index 107. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in St Louis MO

Campus scores in the report: St Louis Elementary (elementary) at 7/10; St Louis Middle School (middle) at 7/10; St Louis High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in St Louis MO

Typical rent in St Louis is about $1,218/month (moderate). At $1,218/month for a typical unit, you need about $43,848+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $174,100.

Median household income is $52,941, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($52,941) clears the $43,848 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 79°F (highs near 89°F, lows near 68°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to St Louis MO?

Who tends to thrive in St Louis: (1) Households that want quieter streets (safety sits at 75/100) (2) Renters who want $1,218/month housing without coastal prices (comfort income is about $43,848) (3) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100) (4) Households earning $43,848+ who can clear the 3× rent rule at $1,218/month

Who should look elsewhere: (1) Households expecting top marks on rent, safety, and schools at once (St Louis does not clear every bar) (2) People who will not research ZIP-level crime and school maps before leasing

Income sniff test: clear about $43,848 household income for $1,218/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

St Louis MO is a yes only if you can live with the main downside below. Otherwise skip it.

The strongest upside is housing cost: typical rent near $1,218/month keeps the comfort income line around $43,848.

The biggest practical risk is still housing: confirm you can carry $1,218/month plus utilities before you sign.

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

$1,248

Mortgage + tax + insurance + HOA

Annual property tax

$2,524

Annual est. $5,580

Est. monthly utilities

$395

Climate-adjusted electric, gas & water

Median home price

$174,100

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$157k
2022
$161k
2023
$165k
2024
$170k
2025
$174k
2026

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

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$30/mo vs buying
$1,218HUD 2024
Rent
$1,248
Buy

Mortgage

$880

Property tax

$210

Insurance

$62

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%

$2,310/yr

2024

1.37%

$2,379/yr

2025

1.41%

$2,450/yr

2026

1.45%

$2,524/yr

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

105 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$746/yr

moderate exposure
Wind hazard index48 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 79°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $746.

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