7326 Pennsylvania Ave · St. Louis, MO
Flood risk 4/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.22%
- 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 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 22 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
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 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 +30.0/30.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Rent growth +3.3/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$54,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
Key facts
- Updated baths
- Brick duplex
- Unfinished basement
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.0-bath single-family listed at $55k.
Deal economics
- At list price, monthly cash flow is $816 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $55k).
- Recommended offer: $48k (12.0% below list) — sets the bar for market timing.
- Cap rate 24.1% 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 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 (+3.3%/yr); 125 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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 37% of the median local income ($47k/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 $380 of loan paydown is wiped out by about $2k 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 + 3.3% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.
Negotiation context
- It's been on market 307 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts; this cycle's ask has dropped $40k (42%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $13k; list at $55k implies a 322% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→22/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 307 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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 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
- 2.65% ✓
- Cap rate
- 24.12%
- Cash-on-cash
- 63.66%
- DSCR
- 3.83
- GRM
- 3.1
CMA / ARV
- ARV (median comp)
- $144,902
- List price
- $54,900
- Delta
- -62.11%
- Verdict
- UNDERPRICED
- Comps
- 3 within 1.0 mi
Show comp detail 11 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 7019 Minnesota Ave | 0.23mi | 3/2.0 (-1) | 1,100 (+1%) | 13mo | $145,000 | $132 | 68 |
| 7342 Alabama Ave | 0.33mi | 3/1.0 (-1) | 1,116 (+3%) | 10mo | $94,900 | $85 | 67 |
| 7126 Alabama Ave | 0.34mi | 3/1.0 (-1) | 1,080 (-1%) | 13mo | $120,000 | $111 | 67 |
| 7340 Alabama Ave | 0.34mi | 3/1.5 (-1) | 1,116 (+3%) | 10mo | $125,000 | $112 | 65 |
| 7719 Pennsylvania Ave | 0.26mi | 3/1.5 (-1) | 1,008 (-7%) | 15mo | $140,000 | $139 | 56 |
| 7515 Pennsylvania Ave | 0.11mi | 3/2.0 (-1) | 1,174 (+8%) | 20mo | $35,000 | $30 | 56 |
| 8417 Pennsylvania Ave | 0.71mi | 4/1.0 | 1,100 (+1%) | 11mo | $97,500 | $89 | 56 |
| 7128 Vermont Ave | 0.29mi | 3/2.0 (-1) | 1,216 (+12%) | 14mo | $110,000 | $90 | 46 |
| 6420 Pennsylvania Ave | 0.62mi | 3/2.0 (-1) | 1,092 (+0%) | 19mo | $125,000 | $114 | 46 |
| 324 Hurck St | 0.64mi | 3/2.5 (-1) | 1,157 (+6%) | 5mo | $165,900 | $143 | 44 |
| 7703 Tennessee Ave | 0.63mi | 3/1.5 (-1) | 988 (-9%) | 21mo | $149,900 | $152 | 31 |
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 · 3.27% rent growth · sell at horizon
- IRR
- 63.0%
- Equity multiple
- 3.83×
- Total profit
- $43,434
- Equity at exit
- $8,186
- IRR
- 67.6%
- Equity multiple
- 7.92×
- Total profit
- $106,307
- Equity at exit
- $4,747
Cash invested: $15,372 (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 63111
- Rents YoY
- 3.3%
- Active inventory
- 125
- Price-to-rent
- 3.1×
Monthly cashflow live
- Estimated rent
- $1,452 high interval (Pro) →
- Mortgage (P&I)
- −$288
- Tax from tax record
- −$21 /mo · $253/yr
- Insurance
- −$23
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$305
- Net cashflow
- $816
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
- $13,725
- Closing costs
- $1,647
- 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 6 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 6800 Virginia Ave Unit 1 St. Louis, MO | 3.0 | 1.0 | 1500 | $1,475 | $0.98 | 18d | 1 | 0.39mi |
| 7924 Michigan Ave Unit 2F St. Louis, MO | 3.0 | 2.0 | 1250 | $1,195 | $0.96 | 3d | 1 | 0.44mi |
| 7109 Eugene Ave Saint Louis, MO | 3.0 | 2.0 | 1029 | $1,495 | $1.45 | 3d | 1 | 0.78mi |
| 304 Bayless Ave Saint Louis, MO | 3.0 | 1.0 | 1104 | $1,950 | $1.77 | 2d | 1 | 1.29mi |
| 7113 Leona St Saint Louis, MO | 3.0 | 1.0 | 864 | $1,765 | $2.04 | 44d | 1 | 1.30mi |
| 349 Lagro Ave Saint Louis, MO | 3.0 | 1.0 | 1184 | $1,500 | $1.27 | 44d | 1 | 1.47mi |
Listing history 27 events
-
2026-06-18days on market $54,900 Active 307 DOM
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2026-06-17days on market $54,900 Active 306 DOM
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2026-06-16days on market $54,900 Active 305 DOM
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2026-06-15days on market $54,900 Active 304 DOM
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2026-06-13days on market $54,900 Active 302 DOM
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2026-06-09days on market $54,900 Active 298 DOM
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2026-06-08days on market $54,900 Active 297 DOM
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2026-06-08days on market $54,900 Active 296 DOM
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2026-06-05days on market $54,900 Active 293 DOM
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2026-06-03days on market $54,900 Active 292 DOM
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2026-06-02days on market $54,900 Active 291 DOM
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2026-06-01days on market $54,900 Active 290 DOM
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2026-06-01days on market $54,900 Active 289 DOM
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2026-03-19status Active 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2026-03-15historical Active Under Contract 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2026-03-03price $54,900 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2026-01-27price $59,900 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-12-04price $69,900 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-11-17price $74,900 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-10-28price $79,900 1024-char remark
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STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-09-27price $84,900 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-09-12price $89,900 1024-char remark
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STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-08-29status Active 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
-
2025-08-20historical Active Under Contract 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2025-08-16$94,900 Active 1024-char remark
Show marketing remark (1024 chars)
STUNNING BRICK DUPLEX – ***OFFERED AT A NEW PRICE*** This beautifully renovated 2-story brick duplex offers 1,088 sq. ft. of above-ground living space split into two charming 1-bedroom, 1-bath units, each with its own private entrance. The main-level unit features soaring 10-foot ceilings, custom millwork, and abundant natural light, while the upper-level unit offers a bright, airy layout. Both units have updated kitchens and baths, electric baseboard heating, window unit A/C, and new vinyl double-hung windows. The property includes a fully unfinished basement with exterior access, a private flat fenced backyard, off-street parking, and alley access. Conveniently located near Highway 55, shops, restaurants, and all that the city has to offer. This property is being sold as-is, with the seller making no repairs or inspections. All offers must be submitted on a SLAR Special Sale Contract with proof of funds or loan pre-approval. Both apartments are occupied with tenants. Call listing agent with questions.
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2012-08-14soldstatus $13,000
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2007-10-23soldstatus
ⓘ 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
- $253 · $21/mo
- Projected year-2 tax
- $533 · $44/mo
- Expected delta
- +$279/yr (+$23/mo · 110.3%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 6/10 Major 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
- $17,429
- − Mortgage interest
- −$3,075
- − Property taxes
- −$253
- − Insurance
- −$274
- − Repairs & maintenance
- −$1,394
- − Management
- −$1,394
- − Depreciation
- −$1,597
- Taxable income
- $9,440
- Est. tax owed @ 24.0%
- −$2,266
- After-tax cash flow
- $7,521/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)
- 18,851
- Household income
- $47,039
- Rent vs Own
- Severe rent burden
- 1364.0
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
- Black 42% White 41% Two or more races 11% Hispanic / Latino 9% Asian 1%
- Hispanic origin (detail)
- Mexican 6%
- Common ancestry
- Lithuanian 3% Slovak 1% Romanian 1%
- Foreign-born
- 7% · Canada, India
- Languages at home
- 90% English-only · Spanish 7% Other Indo-European 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
- ▼ -92.80%
- Current HPI
- 169.4644
- Rent YoY
- ▲ 3.27%
- 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
+322.3% since first listed14 events — show timeline
- 2026-03-19 Relisted — MARIS as Distributed by MLS Grid
- 2026-03-15 Contingent — MARIS as Distributed by MLS Grid
- 2026-03-03 Price Changed $54,900 MARIS as Distributed by MLS Grid
- 2026-01-27 Price Changed $59,900 MARIS as Distributed by MLS Grid
- 2025-12-04 Price Changed $69,900 MARIS as Distributed by MLS Grid
- 2025-11-17 Price Changed $74,900 MARIS as Distributed by MLS Grid
- 2025-10-28 Price Changed $79,900 MARIS as Distributed by MLS Grid
- 2025-09-27 Price Changed $84,900 MARIS as Distributed by MLS Grid
- 2025-09-12 Price Changed $89,900 MARIS as Distributed by MLS Grid
- 2025-08-29 Relisted — MARIS as Distributed by MLS Grid
- 2025-08-20 Contingent — MARIS as Distributed by MLS Grid
- 2025-08-16 Listed $94,900 MARIS as Distributed by MLS Grid
- 2012-08-14 Sold (Public Records) $13,000 Public Records
- 2007-10-23 Sold (Public Records) — Public Records
Property tax history
+2.7%/yrLatest (2024): $253 · +4.6% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…