1520 Washington Ave Unit R304 · St. Louis, MO
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 6/10 · Moderate
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +23.0/30.0
- ARV discount +15.0/15.0
- 1% rule +9.7/10.0
- DSCR +7.4/10.0
- Appreciation +5.3/10.0
- Rent growth +4.8/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
$107,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
Key facts
- $286 HOA
- 2 garage spots
- Built 1906
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $107k.
Deal economics
- At list price, monthly cash flow is $190 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $107k).
- Recommended offer: $94k (12.0% below list) — sets the bar for market timing.
- Cap rate 8.4% vs local median 5.0% in St. Louis — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
- St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising fast (+9.2%/yr); 70 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
- At $1,570/mo this rent would consume 46% of the median local household income ($41k/yr) (locally 960% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- In year one you build about $1k of equity ($740 loan paydown + $711 appreciation (0.7% local appreciation)).
- St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
- At projected returns (0.7% appreciation + 8.0% rent growth), your $30k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 242 days — a 12% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts; this cycle's ask has dropped $33k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1906 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 242 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1906 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.47% ✓
- Cap rate
- 8.42%
- Cash-on-cash
- 7.59%
- DSCR
- 1.34
- GRM
- 5.7
CMA / ARV
- ARV (median comp)
- $133,517
- List price
- $107,000
- Delta
- -19.86%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Projected returns pro-forma
0.66% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 13.2%
- Equity multiple
- 1.70×
- Total profit
- $20,835
- Equity at exit
- $34,672
- IRR
- 21.2%
- Equity multiple
- 4.01×
- Total profit
- $90,284
- Equity at exit
- $44,672
Cash invested: $29,960 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 81 Strongly Landlord-Friendly
- State Missouri
- 81 Strongly Landlord-Friendly · R+10
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 63103
- Home prices YoY
- 0.6%
- Rents YoY
- 9.2%
- Active inventory
- 70
- Price-to-rent
- 5.7×
Monthly cashflow live
- Estimated rent
- $1,570 high interval (Pro) →
- Mortgage (P&I)
- −$561
- Tax from tax record
- −$159 /mo · $1,905/yr
- Insurance
- −$45
- HOA
- −$286
- Vacancy / Maint / Mgmt
- −$330
- Net cashflow
- $190
Break-even live
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $26,750
- Closing costs
- $3,210
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1627 Washington Ave Apt 503 St. Louis, MO | 2.0 | 2.0 | 1400 | $1,750 | $1.25 | 43d | 1 | 0.05mi |
| 1627 Washington Ave Unit 202 St. Louis, MO | 2.0 | 1.0 | 1450 | $1,625 | $1.12 | 43d | 1 | 0.05mi |
| 1635 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0 | 1135 | $1,495 | $1.32 | 3d | 4 | 0.06mi |
| 1501 Locust St Saint Louis, MO | 1.0 | 1.0 | 1002 | $1,200 | $1.20 | 43d | 1 | 0.09mi |
| 1709 Washington Ave St. Louis, MO | 1.0 | 1.5 | 1200 | $1,200 | $1.00 | 16d | 1 | 0.10mi |
| 1706 Washington Ave St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 997 | $1,761 | $1.77 | 2d | 10 | 0.11mi |
| 1324 Washington Ave St. Louis, MO | 2.0 | 2.0 | 1789 | $1,962 | $1.10 | 1d | 1 | 0.16mi |
| 1800 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 927 | $1,645 | $1.77 | 43d | 13 | 0.18mi |
| 1307 Washington Ave St. Louis, MO | 1.0–2.0 | 1.0 | 1261 | $1,485 | $1.18 | 7d | 17 | 0.19mi |
| 1717 Olive St Saint Louis, MO | 2.0 | 1.0–2.0 | 957 | $2,982 | $3.12 | 1d | 64 | 0.20mi |
| 1815 Locust St Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 983 | $1,543 | $1.57 | 43d | 7 | 0.22mi |
| 1405 Pine St St. Louis, MO | 2.0 | 2.0 | 1020 | $1,240 | $1.22 | 3d | 1 | 0.23mi |
| 1901 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 1076 | $1,500 | $1.39 | 4d | 38 | 0.24mi |
| 1300 Convention Plz Saint Louis, MO | 2.0 | 1.0 | 877 | $1,350 | $1.54 | 43d | 1 | 0.25mi |
| 1209 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.5–2.0 | 1483 | $2,190 | $1.48 | 1d | 22 | 0.27mi |
| 1900 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 960 | $1,650 | $1.72 | 2d | 12 | 0.27mi |
| 1226 Olive St St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 1157 | $1,700 | $1.47 | 2d | 2 | 0.29mi |
| 1133 Washington Ave St. Louis, MO | 2.0 | 1.0–2.0 | 637 | $1,292 | $2.03 | 43d | 1 | 0.32mi |
| 300 N Tucker Blvd St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 1013 | $1,875 | $1.85 | 1d | 10 | 0.34mi |
| 1110 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 1006 | $1,426 | $1.42 | 2d | 19 | 0.37mi |
| 2034 Lucas Ave St. Louis, MO | 1.0–2.0 | 1.0 | 1080 | $1,525 | $1.41 | 43d | 1 | 0.39mi |
| 715 N 21st St St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 900 | $1,355 | $1.51 | 23d | 1 | 0.42mi |
| 1000 Washington Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 959 | $1,950 | $2.03 | 1d | 24 | 0.43mi |
| 1014 Locust St Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 1110 | $2,070 | $1.86 | 1d | 2 | 0.43mi |
| 1006 Olive St Unit 702 St. Louis, MO | 2.0 | 2.0 | 1400 | $1,600 | $1.14 | 43d | 1 | 0.46mi |
| 1115 Carr St St. Louis, MO | 1.0–2.0 | 1.0 | 747 | $1,123 | $1.50 | 4d | 13 | 0.49mi |
| 2200 Locust St Saint Louis, MO | 1.0–2.0 | 1.0–1.5 | 862 | $1,695 | $1.97 | 3d | 6 | 0.49mi |
| 2206 Lucas Ave St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 1047 | $1,900 | $1.81 | 1d | 20 | 0.50mi |
| 416 N 23rd St St. Louis, MO | 1.0–2.0 | 1.0 | 780 | $1,775 | $2.28 | 4d | 23 | 0.54mi |
| 1111 Biddle St Saint Louis, MO | 2.0 | 1.0 | 1200 | $1,295 | $1.08 | 43d | 1 | 0.55mi |
| 206 N 9th St Unit 307 St. Louis, MO | 2.0 | 1.0 | 897 | $1,100 | $1.23 | 4d | 1 | 0.56mi |
| 206 N 9th St Unit 916 St. Louis, MO | 2.0 | 2.0 | 914 | $1,250 | $1.37 | 23d | 1 | 0.56mi |
| 206 N 9th St Unit 1306 St. Louis, MO | 2.0 | 2.0 | 897 | $1,250 | $1.39 | 43d | 1 | 0.56mi |
| 800 Olive St Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 1063 | $2,319 | $2.18 | 1d | 26 | 0.59mi |
| 2323 Locust ST #308 St Louis, MO | 2.0 | 1.0 | 1386 | $1,750 | $1.26 | 23d | 1 | 0.61mi |
| 2323 Locust St Saint Louis, MO | 1.0–2.0 | 1.0 | 1239 | $1,750 | $1.41 | 43d | 2 | 0.62mi |
| 720 Olive St St. Louis, MO | 3.0 | 1.0–2.0 | 1778 | $3,723 | $2.09 | 1d | 15 | 0.63mi |
| 1023 Spruce St St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 957 | $1,425 | $1.49 | 2d | 17 | 0.66mi |
| 2605-2637 Washington Ave St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 775 | $1,645 | $2.12 | 12d | 7 | 0.67mi |
| 1204 N 8th St St. Louis, MO | 1.0–3.0 | 1.0 | 740 | $869 | $1.17 | 2d | 19 | 0.72mi |
HOA detail condo
- Monthly dues
- $286 · $3,432/yr
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 12 events
-
2026-06-18days on market $107,000 Active 242 DOM
-
2026-06-17days on market $107,000 Active 241 DOM
-
2026-06-16days on market $107,000 Active 240 DOM
-
2026-06-16price $107,000 Active 239 DOM
-
2026-06-15days on market $115,000 Active 239 DOM
-
2026-06-13statusdays on market $115,000 Active 237 DOM
-
2026-05-20status Pending 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
-
2026-05-04status Active 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
-
2026-04-27status Pending 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
-
2026-03-09price $115,000 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
-
2025-11-25price $129,000 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
-
2025-09-19$140,000 Active 1492-char remark
Show marketing remark (1492 chars)
Come ENJOY Downtown living in an open living concept condo on Washington Avenue in the Beautiful, Historic Ely Walker Building! This Art Deco building from the golden era of Saint Louis' Textile History Greatness was renovated keeping in mind and leaving in place architecturally important features, such as the wood floors and gigantic windows looking out onto Washington. There was no sacrificing the nicer upgrades though, just check out the solid wood cabinets, granite countertops, and wine fridge in the kitchen, soaking tub AND shower in the master bath, and double pane insulated windows. In this secure building, this condo has its own parking place with a lift system so you can park TWO vehicles in the underground garage, or there is street parking if you prefer or for guests, and of course there is a storage space also located in the basement. You can walk or take a short drive to all the great downtown attractions, City Museum is less than a block away, Enterprise Center is 1/2 mile away, the soccer stadium City Park is less than a mile away, and Busch Stadium is 1 mile away, just to give you an idea of how close you will be to everything, not to mention fireworks shows you can watch from the rooftop terrace. This condo has a bonus room most other condos in the building don't have which you can use as a den or office space. The newer, and barely used washer and dryer are included in the sale. Come and live in Downtown Saint Louis! Enjoy the best of urban living!
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast MO · Resets to sale price
- Current annual tax
- $1,905 · $159/mo
- Projected year-2 tax
- $1,905 · $159/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 6/10 Major 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $18,835
- − Mortgage interest
- −$5,994
- − Property taxes
- −$1,905
- − Insurance
- −$535
- − Repairs & maintenance
- −$1,507
- − Management
- −$1,507
- − HOA
- −$3,432
- − Depreciation
- −$3,113
- Taxable income
- $843
- Est. tax owed @ 24.0%
- −$202
- After-tax cash flow
- $2,072/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- St. Louis City
- NCES district ID
- 2929280
- Math proficiency
- 10% ▼ -6.00%
- Reading proficiency
- 18% ▼ -3.00%
- Median HH income
- $35,685
- Composite
- 11.54/100
- National rank
- #9699
- State rank
- #312 of 324 in MO
Livability — St. Louis
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- St. Louis, MO
- County
- Saint Louis City · 254,015 people
- City population
- 283,259
- Metro
- St. Louis, MO-IL
- Population (ZIP)
- 8,778
- Household income
- $40,943
- Rent vs Own
- Severe rent burden
- 960.0
Population outlook (St. Louis County) Hauer SSP2
- Today (2025)
- 315,737 people
- By 2030
- 313,865 · -0.6%
- By 2040
- 305,439 · -3.3%
- By 2050
- 296,529 · -6.1%
- By 2075
- 271,028 · -14.2%
- By 2100
- 255,359 · -19.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.65)
- Race & ethnicity
- White 43% Black 40% Asian 8% Two or more races 6% Hispanic / Latino 3%
- Common ancestry
- Romanian 3% Lithuanian 2% Italian 2%
- Foreign-born
- 8% · Canada, China
- Languages at home
- 87% English-only · Other Indo-European 4% Spanish 3% Arabic 1%
Political lean MEDSL · St. Louis
- 2024 margin
- Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
- 2008→2024 swing
- -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
- All cycles
- 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 0.66%
- Current HPI
- 116.4477
- Rent YoY
- ▲ 9.20%
- Metro
- St. Louis, MO-IL
- State GDP YoY
- ▲ 1.84%
- F500 in state
- 20
Industry mix (Fortune 500 HQ in MO)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Healthcare | 1 | $163B |
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| Insurance | 1 | $21B |
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| Industrial Technology | 1 | $17B |
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| Retail | 1 | $16B |
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| Industrial Distribution | 1 | $10B |
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| Utilities | 1 | $9B |
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Price history
-17.9% since first listed6 events — show timeline
- 2026-05-20 Pending — MARIS as Distributed by MLS Grid
- 2026-05-04 Relisted — MARIS as Distributed by MLS Grid
- 2026-04-27 Pending — MARIS as Distributed by MLS Grid
- 2026-03-09 Price Changed $115,000 MARIS as Distributed by MLS Grid
- 2025-11-25 Price Changed $129,000 MARIS as Distributed by MLS Grid
- 2025-09-19 Listed $140,000 MARIS as Distributed by MLS Grid
Property tax history
+1.3%/yrLatest (2024): $1,905 · +5.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…