Lake Saint Louis, MO—63367
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lake Saint Louis, MO
As of Oct '25, the median home price in Lake Saint Louis, MO is $436,000, with a year-over-year change of 0.7%. This indicates that home prices in Lake Saint Louis, MO are flat. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $436,000 | 0.7% |
| Single Family | $458,000 | 0.4% |
| Condos | $257,000 | 0.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $240,000 | -1.2% |
2 Bed | $286,000 | 0.4% |
3 Bed | $388,000 | 0.5% |
4 Bed | $510,000 | 0.2% |
| 5 Bed | $630,000 | 0.3% |
% of Housing Stock
Rental Trends — Lake Saint Louis, MO
As of July '25, Rentcast reports the average rent in Lake Saint Louis, MO is $2,230, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Lake Saint Louis, MO is 1-bedrooms: $1,280, 2-bedrooms: $1,850, 3-bedrooms: $2,310, 4-bedrooms: $2,850. The most common rental property sizes in Lake Saint Louis, MO are 2-bedroom and 3-bedroom, accounting for 37.1% and 29.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,170 | $2,230 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,360 | $1,280 |
| 2 Bed Rent | $1,650 | $1,850 |
| 3 Bed Rent | $2,220 | $2,310 |
| 4 Bed Rent | $2,750 | $2,850 |
% of Rental Stock
Property Listings — Lake Saint Louis, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Lake Saint Louis, MO is 55. This is a decrease of 0.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $484,000 | 2.0% |
Listing Count | 148 | -1.0% |
| Listings as % of Homes | 0.9% | -1.0% |
Days on Market | 55 | 0.0% |
Demographics — Lake Saint Louis, MO
As of the latest ACS Survey released in 2023, Lake Saint Louis, MO has a population of 27,900, which has increased by 15.1% over the past 5 years. Lake Saint Louis, MO is a moderately popular place for families, as children make up 24.5% of the population. The area has a highly educated workforce, with 48.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 27,900 | 15.1% |
% Under 18 | 24.5% | -9.6% |
% Seniors | 15.9% | 0.0% |
% WFH | 21.9% | 188.2% |
% w/ College Degree | 48.6% | 3.6% |
As of the latest ACS Survey released in 2023, Lake Saint Louis, MO is a predominantly white area, with 85.6% of the population identifying as white. The white population has shrunk by 2.8% in the last 5 years. The second most common race or ethnicity in Lake Saint Louis, MO is black, making up 5.1% of the population. Foreign-born residents account for 3.5% of the population in Lake Saint Louis, 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 | 85.6% | -2.8% |
% Black | 5.1% | 54.5% |
% Hispanic | 3.3% | -34.0% |
% Asian | 1.7% | 13.3% |
% Foreign Born | 3.5% | 0.0% |
Mortgage and Risk — Lake Saint Louis, MO
According to HUD data as of 2023, there were 787 mortgage originations in Lake Saint Louis, MO, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Lake Saint Louis, MO. Investor activity is low, as 3.0% 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 | 787 |
% Conventional Loans | 89.0% |
% Government Loans | 11.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Lake Saint Louis, MO
As of 2024, the percent of homes in Lake Saint Louis, MO under the Section 8 program is 0.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Lake Saint Louis, MO, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 19 |
Total Units Section 8 | 19 |
% Rentals under Section 8 | 0.9% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$90 | $1,360 | $1,270 |
| 2 Bedroom | -$80 | $1,650 | $1,570 |
| 3 Bedroom | -$190 | $2,220 | $2,030 |
| 4 Bedroom | -$420 | $2,750 | $2,330 |
Affordability — Lake Saint Louis, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $436,000 |
| Median Household Income | $135,000 |