3860 Neosho St · St. Louis, MO
Flood risk 5/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.48%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 6/10 · Moderate
- Hot days now (above 108°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 D 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 +17.0/30.0
- ARV discount +9.1/15.0
- DSCR +5.3/10.0
- 1% rule +4.0/10.0
- Rent growth +3.2/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$129,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
Key facts
- 3,872 sq ft lot
- Built 1926
- Listed 58 days
Property features AI
Exterior
- Utilities: Public water; Public sewer; Electric service provided by Ameren; Electricity connected; Natural gas connected; Water connected; Sewer connected
- Home design: Single-family residential; Two levels; Vinyl siding; Asphalt shingle roof
- Construction: Vinyl siding construction
- Exterior features: Level, open lot; Panel doors
Interior
- Bedrooms: 3 bedrooms total; 1 bedroom on the main level; 2 bedrooms on the upper level
- Bathrooms: 1 full bathroom
- Heating & cooling: Natural gas heating; Central electric air conditioning
- Interior features: Full basement
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $130k.
Deal economics
- At list price, monthly cash flow is $89 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $116k (10.3% below list).
- Recommended offer: $116k (10.3% below list) — sets the bar for 1% rule.
- Cap rate 7.1% 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 D — 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.
- Zoned schools: Oak Hill Elem. (math 12% / reading 12%, grade F, #1,016 of 1,115 statewide, top 92%, 238 students, 99% FRL); Gateway Middle (math 0% / reading 8%, grade F, #389 of 391 statewide, top 100%, 506 students, 99% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+2.6%/yr); 261 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
Negotiation context
- It's been on market 59 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 8y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $30k; list at $130k implies a 333% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate flood risk; 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 59 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
- Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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 for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.90% ✗
- Cap rate
- 7.12%
- Cash-on-cash
- 2.94%
- DSCR
- 1.13
- GRM
- 9.3
CMA / ARV
- ARV (median comp)
- $134,787
- List price
- $129,900
- Delta
- -3.63%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4454 S Spring Ave | 0.14mi | 2/1.0 (-1) | 816 (0%) | 4mo | $129,900 | $159 | 85 |
| 5034 Ray Ave | 0.48mi | 3/1.5 | 800 (-2%) | 1mo | $165,000 | $206 | 72 |
| 5039 Grace Ave | 0.44mi | 2/1.0 (-1) | 792 (-3%) | 0mo | $145,500 | $184 | 70 |
| 4045 Walsh St | 0.46mi | 2/1.0 (-1) | 803 (-2%) | 2mo | $55,635 | $69 | 70 |
| 3905 Itaska St | 0.14mi | 2/1.0 (-1) | 923 (+13%) | 1mo | $135,000 | $146 | 66 |
| 3618 Gasconade St | 0.55mi | 2/1.0 (-1) | 850 (+4%) | 2mo | $107,000 | $126 | 60 |
| 4035 Schiller Pl | 0.52mi | 2/1.0 (-1) | 762 (-7%) | 2mo | $114,900 | $151 | 58 |
| 5203 Dewey Ave | 0.40mi | 2/1.0 (-1) | 900 (+10%) | 4mo | $125,000 | $139 | 56 |
| 5610 Leona St | 0.67mi | 2/1.0 (-1) | 840 (+3%) | 4mo | $150,000 | $179 | 56 |
| 3976 Eichelberger St | 0.47mi | 2/1.0 (-1) | 720 (-12%) | 1mo | $10,000 | $14 | 53 |
| 3953 Eiler St | 0.51mi | 2/2.0 (-1) | 888 (+9%) | 2mo | $234,500 | $264 | 50 |
| 4630 Idaho Ave | 0.68mi | 2/1.0 (-1) | 880 (+8%) | 2mo | $145,000 | $165 | 49 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 2.62% rent growth · sell at horizon
- IRR
- -12.1%
- Equity multiple
- 0.56×
- Total profit
- $-15,840
- Equity at exit
- $19,369
- IRR
- -3.5%
- Equity multiple
- 0.77×
- Total profit
- $-8,387
- Equity at exit
- $11,231
Cash invested: $36,372 (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 63116
- Rents YoY
- 2.6%
- Active inventory
- 261
- Price-to-rent
- 9.3×
Monthly cashflow live
- Estimated rent
- $1,165 high interval (Pro) →
- Mortgage (P&I)
- −$681
- Tax from tax record
- −$96 /mo · $1,148/yr
- Insurance
- −$54
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$245
- Net cashflow
- $89
Break-even live
Sensitivity live
| Price | -10% $163 | -5% $126 | +0% $89 | +5% $52 | +10% $16 |
|---|---|---|---|---|---|
| Rent | -10% $-3 | -5% $43 | +0% $89 | +5% $135 | +10% $181 |
| Rate | -1.0pp $155 | -0.5pp $122 | base $89 | +0.5pp $55 | +1.0pp $21 |
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
- $32,475
- Closing costs
- $3,897
- 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 |
|---|---|---|---|---|---|---|---|---|
| 4455 S 38th St Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,000 | $1.00 | 25d | 1 | 0.14mi |
| 3765 Delor St Unit 37651-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 25d | 1 | 0.27mi |
| 3761 Delor St St. Louis, MO | 2.0 | 1.5 | 900 | $1,285 | $1.43 | 3d | 2 | 0.27mi |
| 3647 Delor St Unit 3647-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.28mi |
| 3737 Delor St Unit 3737-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 25d | 1 | 0.30mi |
| 3723 Delor St Unit 3723-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 45d | 1 | 0.30mi |
| 3719 Delor St Unit 3719-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.30mi |
| 3737 Delor St Unit 3737-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.30mi |
| 3729 Delor St Unit 37292-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 25d | 1 | 0.31mi |
| 5033 Ulena Ave Saint Louis, MO | 2.0 | 1.0 | 960 | $1,575 | $1.64 | 45d | 1 | 0.32mi |
| 4451 Grace Ave Saint Louis, MO | 2.0 | 1.0 | 700 | $750 | $1.07 | 19d | 1 | 0.32mi |
| 3711 Delor St Unit 3711-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 25d | 1 | 0.32mi |
| 3707a Delor St Unit 3707-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.32mi |
| 3717 Delor St Unit 37172-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 25d | 1 | 0.32mi |
| 3709 Delor St Unit 3709-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 45d | 1 | 0.32mi |
| 3661 Delor St Unit 3661-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.33mi |
| 3661 Delor St Unit 3661-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 45d | 1 | 0.33mi |
| 3705 Delor St Unit 3705-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 45d | 1 | 0.34mi |
| 3659 Delor St Unit 3659-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 45d | 1 | 0.37mi |
| 4416 S Grand Blvd Saint Louis, MO | 3.0 | 1.0 | 963 | $1,550 | $1.61 | 25d | 1 | 0.43mi |
| 3702 Meramec St Unit 1e St. Louis, MO | 2.0 | 1.0 | 725 | $950 | $1.31 | 9d | 1 | 0.45mi |
| 3702 Meramec St Unit 1e St. Louis, MO | 2.0 | 1.0 | 725 | $950 | $1.31 | 0d | 1 | 0.45mi |
| 4053 Giles Ave Unit A St. Louis, MO | 2.0 | 1.0 | 1082 | $995 | $0.92 | 12d | 1 | 0.46mi |
| 4637 Louisiana Ave Saint Louis, MO | 2.0 | 1.0 | 1104 | $1,175 | $1.06 | 14d | 1 | 0.50mi |
| 3824 Eiler St Saint Louis, MO | 2.0 | 1.0 | 1000 | $1,050 | $1.05 | 25d | 1 | 0.52mi |
| 5217 S Grand Blvd Saint Louis, MO | 2.0 | 1.0 | 870 | $1,125 | $1.29 | 16d | 1 | 0.55mi |
| 4028 Schiller Pl Saint Louis, MO | 2.0 | 1.0 | 802 | $1,440 | $1.80 | 45d | 1 | 0.55mi |
| 3860 Bamberger Ave Unit 3N St. Louis, MO | 2.0 | 1.0 | 700 | $799 | $1.14 | 19d | 1 | 0.60mi |
| 3860 Bamberger Ave Unit 1N St. Louis, MO | 2.0 | 1.0 | 850 | $799 | $0.94 | 12d | 1 | 0.60mi |
| 4215 Neosho St Unit 101 St. Louis, MO | 2.0 | 1.0 | 750 | $825 | $1.10 | 45d | 1 | 0.67mi |
| 3514 Alberta St Unit 1W St. Louis, MO | 2.0 | 1.0 | 800 | $800 | $1.00 | 45d | 1 | 0.69mi |
| 4617 Virginia Ave St. Louis, MO | 2.0 | 1.0 | 700 | $825 | $1.18 | 25d | 1 | 0.70mi |
| 3324 Liberty St Saint Louis, MO | 2.0 | 1.0 | 1100 | $950 | $0.86 | 18d | 1 | 0.72mi |
| 5707 Dewey Ave Unit 1F St. Louis, MO | 2.0 | 1.0 | 1000 | $1,050 | $1.05 | 16d | 1 | 0.73mi |
| 5707 Dewey Ave Unit 1F St. Louis, MO | 2.0 | 1.0 | 1000 | $1,050 | $1.05 | 0d | 1 | 0.73mi |
| 4274 Ellenwood Ave Unit 1E St. Louis, MO | 2.0 | 1.0 | 800 | $995 | $1.24 | 45d | 1 | 0.77mi |
| 3815 Wilmington Ave Apt 2N St. Louis, MO | 2.0 | 1.0 | 800 | $1,095 | $1.37 | 45d | 1 | 0.81mi |
| 3255 Delor St Unit 2E St. Louis, MO | 2.0 | 1.0 | 700 | $895 | $1.28 | 0d | 1 | 0.82mi |
| 3630 Hydraulic Ave Unit 1 St. Louis, MO | 2.0 | 1.0 | 800 | $1,050 | $1.31 | 16d | 1 | 0.83mi |
| 3243 Delor St Unit 3243 St. Louis, MO | 3.0 | 1.0 | 1100 | $1,250 | $1.14 | 24d | 1 | 0.83mi |
Listing history 36 events
-
2026-06-21days on market $129,900 Active 59 DOM
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2026-06-18days on market $129,900 Active 56 DOM
-
2026-06-17days on market $129,900 Active 55 DOM
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2026-06-16days on market $129,900 Active 54 DOM
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2026-06-15days on market $129,900 Active 53 DOM
-
2026-06-13pricedays on market $129,900 Active 51 DOM
-
2026-06-09days on market $139,900 Active 47 DOM
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2026-06-08days on market $139,900 Active 46 DOM
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2026-06-07days on market $139,900 Active 45 DOM
-
2026-06-05days on market $139,900 Active 42 DOM
-
2026-06-03days on market $139,900 Active 41 DOM
-
2026-06-02days on market $139,900 Active 40 DOM
-
2026-06-02remarks 699-char remark
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2026-06-01days on market $139,900 Active 39 DOM
-
2026-05-31days on market $139,900 Active 38 DOM
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2026-04-24$139,900 Active 724-char remark
-
2026-04-23historical $139,900 724-char remark
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2025-05-06soldstatus Closed 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-03-20status Pending 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-03-18price $99,999 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-03-17price $119,999 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-02-18price $125,000 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-02-10price $155,000 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2025-01-18$160,000 Active 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2024-12-27historical $160,000 122-char remark
Show marketing remark (122 chars)
Here is your opportunity to own a cute bungalow in Dutchtown. The 3 bedroom home is located close to everything you need!
-
2019-04-23soldstatus
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2019-04-22soldstatus Closed
Show marketing remark (1052 chars)
This wonderful remodeled 1.5 story home features 9 ft ceilings on the main floor, maintenance free vinyl siding, new furnace & A/C, vinyl thermal double pane insulated tilt-in windows & window treatments throughout, laminate wood flooring on the main floor, new carpeting on the stairs & second floor, & a nice covered porch. The kitchen features ceramic tile flooring, Whirlpool stainless steel refrigerator, dishwasher, 5 burner gas stove, & built-in microwave, newer oak cabinets, double bowl sink, new faucet, & laminate countertops. The bathroom features new mirrored medicine cabinet, toilet, pedestal sink, ceramic tile flooring, & shower surround. It has a nice new rear deck, & is freshly painted throughout. It has newer security doors on the front (with crescent window) & back, & a storm door in the front. There are some new six panel doors, light fixtures, & door hardware. It has 4.5 in baseboards on the 2nd floor, a newer electric panel & wiring, & a private, fenced yard with alley.
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2019-03-05status Pending
Show marketing remark (1052 chars)
This wonderful remodeled 1.5 story home features 9 ft ceilings on the main floor, maintenance free vinyl siding, new furnace & A/C, vinyl thermal double pane insulated tilt-in windows & window treatments throughout, laminate wood flooring on the main floor, new carpeting on the stairs & second floor, & a nice covered porch. The kitchen features ceramic tile flooring, Whirlpool stainless steel refrigerator, dishwasher, 5 burner gas stove, & built-in microwave, newer oak cabinets, double bowl sink, new faucet, & laminate countertops. The bathroom features new mirrored medicine cabinet, toilet, pedestal sink, ceramic tile flooring, & shower surround. It has a nice new rear deck, & is freshly painted throughout. It has newer security doors on the front (with crescent window) & back, & a storm door in the front. There are some new six panel doors, light fixtures, & door hardware. It has 4.5 in baseboards on the 2nd floor, a newer electric panel & wiring, & a private, fenced yard with alley.
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2019-02-27$85,000 Active
Show marketing remark (1052 chars)
This wonderful remodeled 1.5 story home features 9 ft ceilings on the main floor, maintenance free vinyl siding, new furnace & A/C, vinyl thermal double pane insulated tilt-in windows & window treatments throughout, laminate wood flooring on the main floor, new carpeting on the stairs & second floor, & a nice covered porch. The kitchen features ceramic tile flooring, Whirlpool stainless steel refrigerator, dishwasher, 5 burner gas stove, & built-in microwave, newer oak cabinets, double bowl sink, new faucet, & laminate countertops. The bathroom features new mirrored medicine cabinet, toilet, pedestal sink, ceramic tile flooring, & shower surround. It has a nice new rear deck, & is freshly painted throughout. It has newer security doors on the front (with crescent window) & back, & a storm door in the front. There are some new six panel doors, light fixtures, & door hardware. It has 4.5 in baseboards on the 2nd floor, a newer electric panel & wiring, & a private, fenced yard with alley.
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2018-02-17status Pending
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2018-02-16soldstatus Closed
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2018-02-06historical Contingent (No Kickout)
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2018-02-01$48,000 Active
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2013-10-15soldstatus $30,000
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2006-12-21soldstatus $82,000
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2000-08-14soldstatus $20,000
ⓘ 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
- $1,148 · $96/mo
- Projected year-2 tax
- $1,260 · $105/mo
- Expected delta
- +$112/yr (+$9/mo · 9.8%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 5/10 Major FEMA zone X (unshaded) · 48% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 6/10 Major 7 d/yr ≥108°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
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Taxation est. · year 1
- Rental income
- $13,977
- − Mortgage interest
- −$7,276
- − Property taxes
- −$1,148
- − Insurance
- −$650
- − Repairs & maintenance
- −$1,118
- − Management
- −$1,118
- − Depreciation
- −$3,779
- Taxable loss
- −$1,113
- Est. tax savings @ 24.0%
- +$267
- After-tax cash flow
- $1,336/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)
- 42,170
- Household income
- $61,433
- Rent vs Own
- Severe rent burden
- 1923.0
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 0.63)
- Race & ethnicity
- White 54% Black 27% Hispanic / Latino 10% Two or more races 8% Asian 5%
- Hispanic origin (detail)
- Mexican 7%
- Common ancestry
- Lithuanian 4% Romanian 2% Italian 2%
- Foreign-born
- 11% · Canada, Vietnam, Philippines
- Languages at home
- 85% English-only · Spanish 6% Vietnamese 2% Arabic 2%
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
- ▼ -271.19%
- Current HPI
- 215.7108
- Rent YoY
- ▲ 2.62%
- 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
+549.5% since first listed22 events — show timeline
- 2026-06-11 Price Changed $129,900 MARIS as Distributed by MLS Grid
- 2026-04-24 Listed $139,900 MARIS as Distributed by MLS Grid
- 2026-04-23 Coming Soon $139,900 MARIS as Distributed by MLS Grid
- 2025-05-06 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2025-03-20 Pending — MARIS as Distributed by MLS Grid
- 2025-03-18 Price Changed $99,999 MARIS as Distributed by MLS Grid
- 2025-03-17 Price Changed $119,999 MARIS as Distributed by MLS Grid
- 2025-02-18 Price Changed $125,000 MARIS as Distributed by MLS Grid
- 2025-02-10 Price Changed $155,000 MARIS as Distributed by MLS Grid
- 2025-01-18 Listed $160,000 MARIS as Distributed by MLS Grid
- 2024-12-27 Coming Soon $160,000 MARIS as Distributed by MLS Grid
- 2019-04-23 Sold (Public Records) — Public Records
- 2019-04-22 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2019-03-05 Pending — MARIS as Distributed by MLS Grid
- 2019-02-27 Listed $85,000 MARIS as Distributed by MLS Grid
- 2018-02-17 Pending — MARIS as Distributed by MLS Grid
- 2018-02-16 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2018-02-06 Contingent — MARIS as Distributed by MLS Grid
- 2018-02-01 Listed $48,000 MARIS as Distributed by MLS Grid
- 2013-10-15 Sold (Public Records) $30,000 Public Records
- 2006-12-21 Sold (Public Records) $82,000 Public Records
- 2000-08-14 Sold (Public Records) $20,000 Public Records
Property tax history
+4.8%/yrLatest (2024): $1,148 · +5.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…