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3618 S Broadway St
C+ Composite 60.98
Why this score? — see what drove the C+ 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 +23.6/30.0
  • ARV discount +15.0/15.0
  • DSCR +7.6/10.0
  • 1% rule +4.9/10.0
  • Rent growth +3.7/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Schools +1.2/10.0
  • Appreciation +0.0/10.0

$199,900

3618 S Broadway St · St. Louis, MO 63118
4 bd · 1.5 ba · 2,028 sqft · SingleFamily public records · 83 Days on market
Built 1892 4,151 sqft lot Est $282k · 29% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

Key facts

  • Double vanity
  • Fully renovated
  • Updated hvac system

Tags

FULLY RENOVATEDNEWLY REMODELED KITCHENCUSTOM TILE BACKSPLASHUPDATED HVAC SYSTEMDOUBLE VANITY

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.5-bath single-family listed at $200k.

Deal economics

  • At list price, monthly cash flow is $378 ($5k/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 $197k (1.2% below list).
  • Recommended offer: $188k (6.0% below list) — sets the bar for market timing.
  • Cap rate 8.6% 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 C — 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 (+4.9%/yr); 240 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
  • This rent runs 41% of the median local income ($58k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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.
  • At projected returns (-3.0% appreciation + 4.9% rent growth), your $56k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 83 days — a 6% lower offer ($188k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 3y ago; this cycle's ask has dropped $50k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $25k; list at $200k implies a 700% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1892 — 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 $187,906 (6.0% below list)

Questions for the listing agent

  1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1892 — 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. 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.
  6. 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.
  7. 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
0.99%
Cap rate
8.56%
Cash-on-cash
8.10%
DSCR
1.36
GRM
8.4

CMA / ARV

ARV (on-the-fly)
$281,892
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
3704 Ohio Ave 0.34mi 3/3.5 (-1) 1,938 (-4%) 1mo $249,900 $129 63
3500 California Ave 0.47mi 3/2.5 (-1) 1,964 (-3%) 4mo $314,900 $160 60
2217 Keokuk St 0.35mi 3/2.5 (-1) 1,840 (-9%) 0mo $219,000 $119 59
3419 California Ave 0.53mi 3/1.5 (-1) 2,202 (+9%) 2mo $245,000 $111 54
2918 Wisconsin Ave 0.74mi 3/3.0 (-1) 1,989 (-2%) 1mo $379,900 $191 50
3413 Oregon Ave 0.59mi 3/2.5 (-1) 2,268 (+12%) 2mo $349,900 $154 42
2932 Lemp Ave 0.71mi 3/2.5 (-1) 1,860 (-8%) 4mo $334,900 $180 41
923 Withnell Ave 0.59mi 4/3.0 2,331 (+15%) 1mo $299,000 $128 40
3614 California Ave 0.44mi 5/4.5 (+1) 2,308 (+14%) 0mo $449,900 $195 39
3332 Nebraska Ave 0.67mi 3/2.0 (-1) 1,732 (-15%) 1mo $140,000 $81 37
3506 Pennsylvania Ave 0.65mi 3/2.0 (-1) 1,758 (-13%) 4mo $195,000 $111 37
3539 Pennsylvania Ave 0.66mi 3/2.5 (-1) 1,760 (-13%) 5mo $245,000 $139 34

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 · 4.89% rent growth · sell at horizon

5-year hold
IRR
-2.1%
Equity multiple
0.92×
Total profit
$-4,605
Equity at exit
$29,806
10-year hold
IRR
9.3%
Equity multiple
1.77×
Total profit
$42,905
Equity at exit
$17,284

Cash invested: $55,972 (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.

ZIP-level market 63118

Rents YoY
4.9%
Active inventory
240
Price-to-rent
8.4×

Monthly cashflow live

Estimated rent
$1,975 high interval (Pro) →
Mortgage (P&I)
$1,048
Tax from tax record
$51 /mo · $607/yr
Insurance
$83
HOA
$0
Vacancy / Maint / Mgmt
$415
Net cashflow
$378

Break-even live

Break-even rent $1,496
Max offer price $199,900
Occupancy floor 76%

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
$49,975
Closing costs
$5,997
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 29 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3450 Wisconsin Ave Saint Louis, MO 1.0–3.0 1.0–2.0 1219 $2,300 $1.89 1d 15 0.21mi
3429 Ohio Ave Saint Louis, MO 3.0 3.0 1938 $2,250 $1.16 16d 1 0.38mi
3510 California Ave Saint Louis, MO 3.0 2.0 1800 $1,200 $0.67 43d 1 0.43mi
2643 Wyoming St Saint Louis, MO 3.0 2.5 2592 $2,600 $1.00 43d 1 0.60mi
3540 Michigan Ave Saint Louis, MO 4.0 2.0 1758 $1,800 $1.02 1d 1 0.73mi
3131 Keokuk St #3131 Saint Louis, MO 3.0 2.0 1500 $1,475 $0.98 14d 1 0.82mi
3146 Keokuk St Saint Louis, MO 3.0 1.0 1528 $1,500 $0.98 23d 1 0.85mi
2811 Missouri Ave Saint Louis, MO 4.0 2.5 2673 $3,622 $1.36 43d 1 0.91mi
3411 Cherokee St St. Louis, MO 4.0 2.0 1568 $1,850 $1.18 43d 1 1.00mi
4312 Oregon Ave Saint Louis, MO 4.0 2.0 2032 $2,000 $0.98 1d 1 1.01mi
4135 S Compton Ave Saint Louis, MO 3.0 2.0 2104 $1,600 $0.76 43d 1 1.06mi
4145 S Compton Ave Saint Louis, MO 3.0 2.0 1656 $1,520 $0.92 43d 1 1.07mi
2648 California Ave Saint Louis, MO 4.0 2.0 2458 $2,000 $0.81 23d 1 1.12mi
4450 Pennsylvania Ave Saint Louis, MO 3.0 1.0 1500 $1,100 $0.73 4d 1 1.24mi
2406 S 10th St Saint Louis, MO 3.0 2.0 2000 $1,950 $0.97 23d 1 1.24mi
3458 Giles Ave Saint Louis, MO 3.0 2.5 2204 $2,400 $1.09 7d 1 1.29mi
713 Barton St Unit 1031874P St. Louis, MO 3.0 2.0 1593 $3,856 $2.42 7d 1 1.31mi
3637 Meramec St Saint Louis, MO 3.0 1.5 1632 $1,925 $1.18 17d 1 1.32mi
2253 Indiana Ave Saint Louis, MO 4.0 3.5 1760 $2,600 $1.48 7d 1 1.33mi
3628 Wyoming St Unit 2F St. Louis, MO 4.0 1.0 1700 $1,950 $1.15 43d 1 1.33mi
3526 S Spring Ave Saint Louis, MO 4.0 2.0 2244 $2,877 $1.28 43d 1 1.35mi
2211 Menard St Unit B St. Louis, MO 3.0 1.5 2440 $2,200 $0.90 3d 1 1.40mi
2211 Menard St Unit A St. Louis, MO 3.0 1.5 2440 $2,200 $0.90 4d 1 1.40mi
4222 S 38th St Unit 4222 St. Louis, MO 3.0 2.0 1836 $1,400 $0.76 20d 1 1.45mi
3807 Potomac St Saint Louis, MO 3.0 1.0 2588 $1,100 $0.43 43d 1 1.46mi
3807 Potomac St Saint Louis, MO 3.0 1.0 2588 $1,300 $0.50 7d 1 1.46mi
2027 Russell Blvd Saint Louis, MO 3.0 2.5 1687 $2,100 $1.24 11d 1 1.48mi
2027 Russell Blvd Saint Louis, MO 3.0 2.5 1687 $2,100 $1.24 19d 1 1.48mi
2029 Russell Blvd Saint Louis, MO 3.0 3.0 1500 $1,900 $1.27 43d 1 1.49mi

Listing history 17 events

  1. 2025-12-18
    status Pending 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  2. 2025-11-13
    price $199,900 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  3. 2025-10-30
    price $214,900 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  4. 2025-10-23
    price $219,900 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  5. 2025-10-15
    price $229,900 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  6. 2025-10-09
    price $239,900 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  7. 2025-09-25
    listed $249,900 Active 1158-char remark
    Show marketing remark (1158 chars)

    PRICE DROP!! Introducing an exceptional city residence, located near the edge of Soulard, less than a quarter mile from the Lemp Mansion. This fully renovated brick beauty is a true standout, featuring 4 generously sized bedrooms and 4 impeccably designed bathrooms. The expansive, newly remodeled kitchen is a chef's dream, with a lot of counter space, a large peninsula, an abundance of cabinetry offering extensive storage, sleek butcher block countertops, high-end stainless-steel appliances, a striking custom tile backsplash, and a spacious area for an eat-in kitchen or a mud room area. The home's elegance is further enhanced by the luxury vinyl plank waterproof floors, a spacious main-floor laundry area, and ample closet space. The updated HVAC system ensures comfort throughout the main level and second floor. The bathrooms are huge, including the luxurious ensuite in the primary bedroom showcasing a double vanity and custom tile. This home offers both style and functionality. Discover the full range of sophisticated features this exceptional property has to offer. It truly is a must-see! Buyer to verify schools. Agent Owned Property.

  8. 2023-12-27
    soldstatus $25,000
  9. 2023-12-21
    soldstatus Closed 683-char remark
    Show marketing remark (683 chars)

    OUTSTANDING GRAND BEAUTY. This immense 2 story has tremendous possibilities offering 2028 sq/ft of above ground living space, 4+- bedrooms, 2+- bathrooms, an attic which could serve as a possible bonus area accessed by a metal ladder, a fire place with mantel in the living room, 10 foot ceilings, grand entrance foyer, custom millwork, full unfinished basement waiting to be transformed, and a large partially fenced flat backyard. This home is zoned J so possible business location. Directly on South Broadway so easy access to public transportation and all that downtown offers. You MUST SEE the grandeur of this home to appreciate its potential. The property is being sold AS IS.

  10. 2023-12-06
    status Pending 683-char remark
    Show marketing remark (683 chars)

    OUTSTANDING GRAND BEAUTY. This immense 2 story has tremendous possibilities offering 2028 sq/ft of above ground living space, 4+- bedrooms, 2+- bathrooms, an attic which could serve as a possible bonus area accessed by a metal ladder, a fire place with mantel in the living room, 10 foot ceilings, grand entrance foyer, custom millwork, full unfinished basement waiting to be transformed, and a large partially fenced flat backyard. This home is zoned J so possible business location. Directly on South Broadway so easy access to public transportation and all that downtown offers. You MUST SEE the grandeur of this home to appreciate its potential. The property is being sold AS IS.

  11. 2023-11-11
    listed $45,000 Active 683-char remark
    Show marketing remark (683 chars)

    OUTSTANDING GRAND BEAUTY. This immense 2 story has tremendous possibilities offering 2028 sq/ft of above ground living space, 4+- bedrooms, 2+- bathrooms, an attic which could serve as a possible bonus area accessed by a metal ladder, a fire place with mantel in the living room, 10 foot ceilings, grand entrance foyer, custom millwork, full unfinished basement waiting to be transformed, and a large partially fenced flat backyard. This home is zoned J so possible business location. Directly on South Broadway so easy access to public transportation and all that downtown offers. You MUST SEE the grandeur of this home to appreciate its potential. The property is being sold AS IS.

  12. 2023-05-23
    soldstatus Closed
  13. 2023-04-30
    status Pending
  14. 2023-04-01
    listed $29,900 Active
  15. 2022-02-11
    price $45,000
  16. 2021-07-31
    price $65,000
  17. 2018-01-05
    soldstatus $15,000

ⓘ 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
$607 · $51/mo
Projected year-2 tax
$1,939 · $162/mo
Expected delta
+$1,332/yr (+$111/mo · 219.3%)

ⓘ 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 ≥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
$23,694
− Mortgage interest
−$11,198
− Property taxes
−$607
− Insurance
−$1,000
− Repairs & maintenance
−$1,896
− Management
−$1,896
− Depreciation
−$5,815
Taxable income
$1,284
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$308
After-tax cash flow
$4,224/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)
25,913
Household income
$57,762
Rent vs Own
56.1% rent · 43.9% own
Severe rent burden
1495.0

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 44% Black 41% Two or more races 8% Hispanic / Latino 8% Asian 2%
Hispanic origin (detail)
Mexican 6%
Common ancestry
Slovak 2% Lithuanian 2% Romanian 2%
Foreign-born
6% · Canada, Vietnam
Languages at home
90% English-only · Spanish 5% Vietnamese 1% French/Haitian/Cajun 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
▼ -347.51%
Current HPI
171.5963
Rent YoY
▲ 4.89%
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

Price history

+1232.7% since first listed
17 events — show timeline
  • 2025-12-18 Pending MARIS as Distributed by MLS Grid
  • 2025-11-13 Price Changed $199,900 MARIS as Distributed by MLS Grid
  • 2025-10-30 Price Changed $214,900 MARIS as Distributed by MLS Grid
  • 2025-10-23 Price Changed $219,900 MARIS as Distributed by MLS Grid
  • 2025-10-15 Price Changed $229,900 MARIS as Distributed by MLS Grid
  • 2025-10-09 Price Changed $239,900 MARIS as Distributed by MLS Grid
  • 2025-09-25 Listed $249,900 MARIS as Distributed by MLS Grid
  • 2023-12-27 Sold (Public Records) $25,000 Public Records
  • 2023-12-21 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2023-12-06 Pending MARIS as Distributed by MLS Grid
  • 2023-11-11 Listed $45,000 MARIS as Distributed by MLS Grid
  • 2023-05-23 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2023-04-30 Pending MARIS as Distributed by MLS Grid
  • 2023-04-01 Listed $29,900 MARIS as Distributed by MLS Grid
  • 2022-02-11 Price Changed $45,000 MARIS as Distributed by MLS Grid
  • 2021-07-31 Price Changed $65,000 MARIS as Distributed by MLS Grid
  • 2018-01-05 Sold (Public Records) $15,000 Public Records

Property tax history

+2.7%/yr

Latest (2024): $607 · +4.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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