6827 Plymouth Ave · University City, MO 63130

$175,000

3 bd · 1.0 ba · 1,194 sqft · SingleFamily public records · 174 Days on market

Built 1928 3,841 sqft lot $147/sqft · 29% above area Est $136k · 29% over

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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 +21.0/30.0
• DSCR +6.7/10.0
• 1% rule +4.8/10.0
• Livability +3.7/5.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

BOM< no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

Key facts

• 3,841 sq ft lot
• Garage
• Built 1928

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $246 ($3k/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 $172k (1.8% below list).
• Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.4% in University City — 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 73/100 on livability (#84 in MO) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, cost of living B; Watch: amenities D-, commute D-, health & safety F.
• University City (suburban): math 15% / reading 26% proficiency, ranked #297 of 324 in MO (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Pershing Elem. (math 8% / reading 12%, grade F, #1,037 of 1,115 statewide, top 94%, 265 students, 100% FRL); Brittany Woods (math 15% / reading 20%, grade F, #350 of 391 statewide, top 90%, 532 students, 100% FRL); University City Sr. High (math 5% / reading 52%, grade F, #409 of 521 statewide, top 79%, 726 students, 100% FRL) — zoned schools average 100% FRL vs 67% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.6%/yr); 163 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; solid renter incomes; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 174 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y ago; this cycle's ask has dropped $35k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1928 — 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.

Recommended offer $154,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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?
7. 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.
8. 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.
9. 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: 0.98% ✗
• Cap rate: 7.98%
• Cash-on-cash: 6.02%
• DSCR: 1.27
• GRM: 8.5

CMA / ARV

• ARV (median comp): $135,510
• List price: $175,000
• Delta: 29.14%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6934 Julian Ave	0.18mi	2/1.0 (-1)	1,158 (-3%)	1mo	$130,000	$112	81
7048 Arcadia Ave	0.38mi	3/1.0	1,232 (+3%)	3mo	$219,000	$178	74
7039 Plymouth Ave	0.33mi	4/1.5 (+1)	1,152 (-4%)	1mo	$126,500	$110	71
7033 Camden Ct	0.49mi	3/1.0	1,151 (-4%)	2mo	$164,900	$143	69
6534 Whitney Ave	0.40mi	2/1.0 (-1)	1,126 (-6%)	0mo	$65,000	$58	66
6736 Julian Ave	0.18mi	3/2.0	1,055 (-12%)	3mo	$139,900	$133	66
7155 Willow Tree Ln	0.63mi	3/1.5	1,200 (+0%)	3mo	$210,000	$175	65
6821 Primrose Ave	0.28mi	3/1.0	1,344 (+13%)	2mo	$48,500	$36	65
1531 Nixon Ave	0.71mi	3/1.0	1,171 (-2%)	6mo	$89,000	$76	59
1239 Meyer St	0.57mi	2/1.0 (-1)	1,296 (+8%)	1mo	$138,900	$107	53
7034 Plymouth Ave	0.32mi	2/1.0 (-1)	1,025 (-14%)	6mo	$160,000	$156	52
6959 Dartmouth Ave	0.54mi	3/2.0	1,331 (+12%)	2mo	$294,000	$221	50

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 · 3.61% rent growth · sell at horizon

5-year hold

• IRR: -6.4%
• Equity multiple: 0.76×
• Total profit: $-11,663
• Equity at exit: $26,093

10-year hold

• IRR: 3.9%
• Equity multiple: 1.29×
• Total profit: $14,291
• Equity at exit: $15,131

Cash invested: $49,000 (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

Generally landlord-friendly; St Louis has some habitability requirements.

Methodology + full state rankings →

ZIP-level market 63130

• Rents YoY: 3.6%
• Active inventory: 163
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,719 high
• Mortgage (P&I): −$918
• Tax from tax record: −$122 /mo · $1,460/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $246

Break-even live

Break-even rent $1,408

Max offer price $175,000

Occupancy floor 81%

Sensitivity live

Price	-10% $345	-5% $296	+0% $246	+5% $196	+10% $147
Rent	-10% $110	-5% $178	+0% $246	+5% $314	+10% $382
Rate	-1.0pp $334	-0.5pp $290	base $246	+0.5pp $201	+1.0pp $154

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6827 Melrose Ave Saint Louis, MO	2.0	1.0	1200	$1,300	$1.08	9d	1	0.16mi
6913 Etzel Ave Unit 1496954P University City, MO	3.0	2.0	1399	$5,966	$4.26	0d	1	0.17mi
6936 Melrose Ave Saint Louis, MO	4.0	2.0	1396	$1,858	$1.33	25d	1	0.22mi
6704 Etzel Ave Saint Louis, MO	2.0	1.0	825	$1,325	$1.61	45d	1	0.26mi
6636 Etzel Ave Saint Louis, MO	3.0	1.5	1019	$1,350	$1.32	9d	1	0.30mi
6636 Etzel Ave Saint Louis, MO	3.0	2.0	1019	$1,350	$1.32	21d	1	0.30mi
7034 Corbitt Ave Saint Louis, MO	2.0	2.0	870	$1,450	$1.67	25d	1	0.34mi
6770 Chamberlain Ave Saint Louis, MO	3.0	1.5	1242	$1,950	$1.57	0d	1	0.34mi
6543 Etzel Ave Saint Louis, MO	3.0	1.0	967	$1,600	$1.65	19d	1	0.38mi
6614 Chamberlain Ave Saint Louis, MO	3.0	2.0	1000	$1,820	$1.82	25d	1	0.50mi
7055 Dartmouth Ave Unit 2 University City, MO	2.0	1.0	1320	$2,100	$1.59	45d	1	0.59mi
7055 Dartmouth Ave Unit 1 University City, MO	2.0	1.0	1320	$2,100	$1.59	45d	1	0.59mi
1115 Backer St Saint Louis, MO	3.0	1.0	984	$1,395	$1.42	0d	1	0.61mi
1115 Backer St Saint Louis, MO	3.0	1.0	984	$1,495	$1.52	25d	1	0.61mi
7125 Dartmouth Ave Saint Louis, MO	2.0	1.0	1242	$1,550	$1.25	45d	1	0.63mi
7120 Dartmouth Ave Unit A University City, MO	2.0	1.0	1200	$1,345	$1.12	4d	1	0.65mi
7104 Tulane Ave Saint Louis, MO	2.0	1.0	1400	$1,745	$1.25	45d	1	0.66mi
7104 Tulane Ave Unit 1 University City, MO	2.0	1.0	1200	$1,900	$1.58	25d	1	0.67mi
7156 Tulane Ave Unit 56A University City, MO	2.0	1.0	1000	$1,295	$1.29	23d	1	0.74mi
6318 Cabanne Ave Apt 1w University City, MO	2.0	1.0	950	$1,250	$1.32	0d	1	0.75mi
6318 Cabanne Ave Apt 1w University City, MO	2.0	1.0	950	$1,250	$1.32	6d	1	0.75mi
7204 Tulane Ave Unit 7204-B Tulane University City, MO	2.0	1.0	1100	$1,100	$1.00	45d	1	0.77mi
6312 Cates Ave Unit 2E University City, MO	2.0	1.0	900	$1,300	$1.44	45d	1	0.82mi
7254 Tulane Ave #1 University City, MO	2.0	1.0	1144	$1,600	$1.40	19d	1	0.85mi
908 Eastgate Ave Unit 2N University City, MO	2.0	1.0	900	$1,300	$1.44	6d	1	0.86mi
908 Eastgate Ave Unit 2N University City, MO	2.0	1.0	900	$1,300	$1.44	0d	1	0.86mi
716 Westgate Ave Unit 3 University City, MO	3.0	2.0	1500	$2,995	$2.00	0d	1	0.87mi
716 Westgate Ave Unit 3 University City, MO	3.0	2.0	1500	$2,995	$2.00	45d	1	0.87mi
900 Eastgate Ave Saint Louis, MO	2.0	1.0	900	$1,095	$1.22	45d	1	0.88mi
6274 Cates Ave Saint Louis, MO	3.0	2.0	1400	$2,295	$1.64	45d	1	0.89mi
6261 Clemens Ave Saint Louis, MO	3.0	1.0	1200	$1,700	$1.42	45d	1	0.92mi
6409 Enright Ave University City, MO	3.0	1.5	1320	$2,420	$1.83	0d	2	0.92mi
6650 Delmar Blvd Saint Louis, MO	3.0	1.0–3.0	760	$2,095	$2.76	0d	1	0.92mi
603 Westgate Ave University City, MO	2.0	2.5	1290	$1,750	$1.36	45d	1	0.96mi
1019 N Skinker Pkwy St. Louis, MO	1.0–3.0	1.0–3.0	1137	$2,795	$2.46	0d	9	0.96mi
7361 Melrose Ave Saint Louis, MO	3.0	2.0	1278	$2,095	$1.64	45d	1	0.98mi
7350 Amherst Ave Unit 1E University City, MO	2.0	1.0	1100	$1,795	$1.63	19d	1	0.99mi
1535 N Jackson Ave Saint Louis, MO	2.0	1.0	988	$1,450	$1.47	45d	1	0.99mi
1131 Hodiamont Ave Unit 1135-2D St. Louis, MO	3.0	1.0	840	$1,225	$1.46	45d	1	1.00mi
1131 Hodiamont Ave St. Louis, MO	2.0	1.0	700	$1,050	$1.50	45d	1	1.00mi

Listing history 36 events

1. 2026-06-07
   statusdays on market $175,000 Pending 174 DOM
2. 2026-06-05
   days on market $175,000 Active 173 DOM
3. 2026-06-03
   days on market $175,000 Active 172 DOM
4. 2026-06-02
   days on market $175,000 Active 171 DOM
5. 2026-06-01
   days on market $175,000 Active 170 DOM
6. 2026-05-31
   days on market $175,000 Active 169 DOM
7. 2026-05-15
   status Active 772-char remark

   Show marketing remark (772 chars)

   BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

8. 2026-04-30
   status Pending 772-char remark

   Show marketing remark (772 chars)

   BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

9. 2026-04-01
   price $190,000 772-char remark

   Show marketing remark (772 chars)

   BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

10. 2026-02-05
    price $195,000 772-char remark

    Show marketing remark (772 chars)

    BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

11. 2025-12-27
    price $200,000 772-char remark

    Show marketing remark (772 chars)

    BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

12. 2025-11-27
    listed $210,000 Active 772-char remark

    Show marketing remark (772 chars)

    BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

13. 2025-11-26
    historical $210,000 772-char remark

    Show marketing remark (772 chars)

    BOM&lt; no fault of sellers. THE BUYER BACKED OUT ON CLOSING DAY. This could be your lucky day!! Talk with your agent. Come and enjoy an affordable, very nicely kept and updated home in U City. 3 spacious bedrooms on second floor and 1.5 baths. Plenty of space on the large front porch. Basement is partially finished that has a direct walkout to the rear entry garage. Large first floor with gas fireplace, separate living room and dining room and nice kitchen updates. Updated laminate flooring on first floor. Nice flat , fenced yard. Roof, ac, furnace and water heater, over 25k in upgrades, are all newer in the last 1-2 years. All appliances , washer and dryer included in the sale. Close to Heman Park, only 2 blocks from schools, easy access to Olive.

14. 2022-12-30
    soldstatus $186,000
15. 2022-12-23
    soldstatus Closed 555-char remark

    Show marketing remark (555 chars)

    Welcome home to 6827 Plymouth. This beautiful home is ready for someone who is looking for a cozy home with plenty of space to grow! The high ceilings and crown molding on the main floor give the home a perfect blend of old world meets modern world. The updated kitchen is ready for wonderful meals to be cooked. All 3 bedrooms are on the second level as well as the main bathroom. In need of more space? You got it! The finished basement can be turned into a rec room or accommodate any other needs the buyer may have. Showings begin November 9, 2022

16. 2022-12-01
    status Pending 555-char remark

    Show marketing remark (555 chars)

    Welcome home to 6827 Plymouth. This beautiful home is ready for someone who is looking for a cozy home with plenty of space to grow! The high ceilings and crown molding on the main floor give the home a perfect blend of old world meets modern world. The updated kitchen is ready for wonderful meals to be cooked. All 3 bedrooms are on the second level as well as the main bathroom. In need of more space? You got it! The finished basement can be turned into a rec room or accommodate any other needs the buyer may have. Showings begin November 9, 2022

17. 2022-11-29
    price $184,000 555-char remark

    Show marketing remark (555 chars)

    Welcome home to 6827 Plymouth. This beautiful home is ready for someone who is looking for a cozy home with plenty of space to grow! The high ceilings and crown molding on the main floor give the home a perfect blend of old world meets modern world. The updated kitchen is ready for wonderful meals to be cooked. All 3 bedrooms are on the second level as well as the main bathroom. In need of more space? You got it! The finished basement can be turned into a rec room or accommodate any other needs the buyer may have. Showings begin November 9, 2022

18. 2022-11-08
    listed $189,999 Active 555-char remark

    Show marketing remark (555 chars)

    Welcome home to 6827 Plymouth. This beautiful home is ready for someone who is looking for a cozy home with plenty of space to grow! The high ceilings and crown molding on the main floor give the home a perfect blend of old world meets modern world. The updated kitchen is ready for wonderful meals to be cooked. All 3 bedrooms are on the second level as well as the main bathroom. In need of more space? You got it! The finished basement can be turned into a rec room or accommodate any other needs the buyer may have. Showings begin November 9, 2022

19. 2022-09-19
    soldstatus $55,000
20. 2022-09-15
    soldstatus Closed
21. 2022-08-31
    status Pending
22. 2022-08-19
    price $59,900
23. 2022-08-08
    price $64,900
24. 2022-07-28
    price $69,900
25. 2022-07-18
    price $74,900
26. 2022-06-24
    price $79,900
27. 2022-06-24
    status Active
28. 2022-06-20
    status Pending
29. 2022-06-12
    status Active
30. 2022-05-26
    status Pending
31. 2022-05-17
    price $84,900
32. 2022-05-11
    price $89,900
33. 2022-05-06
    price $94,900
34. 2022-04-27
    listed $99,000 Active
35. 2022-04-18
    soldstatus
36. 1967-03-13
    soldstatus

ⓘ 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: $1,460 · $122/mo
• Projected year-2 tax: $1,698 · $141/mo
• Expected delta: +$237/yr (+$20/mo · 16.3%)

ⓘ 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 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,632
• − Mortgage interest: −$9,803
• − Property taxes: −$1,460
• − Insurance: −$875
• − Repairs & maintenance: −$1,651
• − Management: −$1,651
• − Depreciation: −$5,091
• Taxable income: $102
• Est. tax owed @ 24.0%: −$25
• After-tax cash flow: $2,927/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: University City
• NCES district ID: 2930660
• Math proficiency: 15% ▼ -10.00%
• Reading proficiency: 26% ▼ -7.00%
• Median HH income: $52,927
• Composite: 18.57/100
• National rank: #8910
• State rank: #297 of 324 in MO

Livability — University City

• Score: 73/100
• State rank: #84
• US rank: #5618

Category grades

Amenities D- Commute D- Cost of living B Crime C+ Employment A+ Housing A+ Health & safety F User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: University City, MO
• County: Saint Louis County · 888,823 people
• City population: 28,910
• Metro: St. Louis, MO-IL
• Population (ZIP): 28,910
• Household income: $85,823
• Rent vs Own: 37.1% rent · 62.9% own
• Severe rent burden: 893.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 1,025,227 people
• By 2030: 1,028,023 · +0.3%
• By 2040: 1,020,940 · -0.4%
• By 2050: 1,007,280 · -1.8%
• By 2075: 987,277 · -3.7%
• By 2100: 921,984 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 54% Black 31% Asian 6% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Italian 3% Romanian 3% Lithuanian 2%
• Foreign-born: 11% · China, Canada, Vietnam
• Languages at home: 89% English-only · Chinese 4% Spanish 2% French/Haitian/Cajun 1%

Political lean MEDSL · St. Louis

• 2024 margin: Strong D (+23.4) · D 60.8% · R 37.4% · Other 1.7%
• 2008→2024 swing: +3.5pp toward D · 2008: 19.9pp · 2024: 23.4pp
• All cycles: 2024: D+23.4 2020: D+24.0 2016: D+16.2 2012: D+13.7 2008: D+19.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -436.88%
• Current HPI: 185.599
• Rent YoY: ▲ 3.61%
• 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
▸Insurance	1	$21B
▸Industrial Technology	1	$17B
▸Retail	1	$16B
▸Industrial Distribution	1	$10B
▸Utilities	1	$9B

Price history

+91.9% since first listed

30 events — show timeline

• 2026-05-15 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-30 Pending — MARIS as Distributed by MLS Grid
• 2026-04-01 Price Changed $190,000 MARIS as Distributed by MLS Grid
• 2026-02-05 Price Changed $195,000 MARIS as Distributed by MLS Grid
• 2025-12-27 Price Changed $200,000 MARIS as Distributed by MLS Grid
• 2025-11-27 Listed $210,000 MARIS as Distributed by MLS Grid
• 2025-11-26 Coming Soon $210,000 MARIS as Distributed by MLS Grid
• 2022-12-30 Sold (Public Records) $186,000 Public Records
• 2022-12-23 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2022-12-01 Pending — MARIS as Distributed by MLS Grid
• 2022-11-29 Price Changed $184,000 MARIS as Distributed by MLS Grid
• 2022-11-08 Listed $189,999 MARIS as Distributed by MLS Grid
• 2022-09-19 Sold (Public Records) $55,000 Public Records
• 2022-09-15 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2022-08-31 Pending — MARIS as Distributed by MLS Grid
• 2022-08-19 Price Changed $59,900 MARIS as Distributed by MLS Grid
• 2022-08-08 Price Changed $64,900 MARIS as Distributed by MLS Grid
• 2022-07-28 Price Changed $69,900 MARIS as Distributed by MLS Grid
• 2022-07-18 Price Changed $74,900 MARIS as Distributed by MLS Grid
• 2022-06-24 Price Changed $79,900 MARIS as Distributed by MLS Grid
• 2022-06-24 Relisted — MARIS as Distributed by MLS Grid
• 2022-06-20 Pending — MARIS as Distributed by MLS Grid
• 2022-06-12 Relisted — MARIS as Distributed by MLS Grid
• 2022-05-26 Pending — MARIS as Distributed by MLS Grid
• 2022-05-17 Price Changed $84,900 MARIS as Distributed by MLS Grid
• 2022-05-11 Price Changed $89,900 MARIS as Distributed by MLS Grid
• 2022-05-06 Price Changed $94,900 MARIS as Distributed by MLS Grid
• 2022-04-27 Listed $99,000 MARIS as Distributed by MLS Grid
• 2022-04-18 Sold (Public Records) — Public Records
• 1967-03-13 Sold (Public Records) — Public Records

Property tax history

+2.4%/yr

Latest (2022): $1,460 · +1.0% YoY. Source: county tax records.