Herculaneum, MO—63048
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Herculaneum, MO
As of Oct '25, the median home price in Herculaneum, MO is $287,000, with a year-over-year change of 4.3%. This indicates that home prices in Herculaneum, MO are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $287,000 | 4.3% |
| Single Family | $288,000 | 4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $217,000 | 8.0% |
3 Bed | $304,000 | 3.8% |
4 Bed | $336,000 | 3.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Herculaneum, MO
As of July '25, Rentcast reports the average rent in Herculaneum, MO is $1,720, with a year-over-year rent change of 1.2%. Per bedroom, the median rent as of July '25 in Herculaneum, MO is 2-bedrooms: $1,050, 3-bedrooms: $2,100, 4-bedrooms: $2,000. The most common rental property sizes in Herculaneum, MO are 4-bedroom and 1-bedroom, accounting for 40.6% and 31.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $1,720 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,050 | $1,050 |
| 3 Bed Rent | $2,100 | $2,100 |
| 4 Bed Rent | $2,000 | $2,000 |
% of Rental Stock
Property Listings — Herculaneum, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Herculaneum, MO is 34. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 16.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $332,000 | 10.0% |
Listing Count | 38 | 52.0% |
| Listings as % of Homes | 2.2% | 52.0% |
Days on Market | 34 | -3.0% |
Demographics — Herculaneum, MO
As of the latest ACS Survey released in 2023, Herculaneum, MO has a population of 4,140, which has increased by 6.9% over the past 5 years. Herculaneum, MO is a moderately popular place for families, as children make up 24.1% of the population. The area has a poorly educated workforce, with 24.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,140 | 6.9% |
% Under 18 | 24.1% | -5.5% |
% Seniors | 17.3% | 3.6% |
% WFH | 10.8% | 620.0% |
% w/ College Degree | 24.2% | 8.5% |
As of the latest ACS Survey released in 2023, Herculaneum, MO is a predominantly white area, with 82.3% of the population identifying as white. The white population has shrunk by 15.2% in the last 5 years. The second most common race or ethnicity in Herculaneum, MO is black, making up 3.3% of the population. Foreign-born residents account for 0.3% of the population in Herculaneum, MO, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.3% | -15.2% |
% Black | 3.3% | 32.0% |
% Hispanic | 0.6% | ∞% |
% Asian | 0.3% | 0.0% |
% Foreign Born | 0.3% | 0.0% |
Mortgage and Risk — Herculaneum, MO
According to HUD data as of 2023, there were 195 mortgage originations in Herculaneum, MO, of which 65.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 44.0% above 90% LTV (very high). This implies large mortgage risk in Herculaneum, MO. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 195 |
% Conventional Loans | 65.0% |
% Government Loans | 35.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Herculaneum, MO
Herculaneum, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 2.7% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,470 |
| 2 Bedroom | $770 | $1,050 | $1,820 |
| 3 Bedroom | $250 | $2,100 | $2,350 |
| 4 Bedroom | $700 | $2,000 | $2,700 |
Affordability — Herculaneum, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $287,000 |
| Median Household Income | $89,600 |