Rent vs Buy in St. Louis, MO

St. Louis, MO Assumptions

Home Purchase
Ongoing Costs
Rental
Growth
Tax
Projection

Buy Net Worth

Rent Net Worth

Break-Even

Verdict

Net Worth Over Time — St. Louis, MO

Year-by-Year Comparison

Year-by-year rent vs buy comparison for St. Louis, MO
Year Buy
Net Worth
Rent
Net Worth
Difference Monthly
Buy Cost
Monthly
Rent

Cities & Towns in St. Louis, MO

This calculator's defaults reflect the broader St. Louis, MO metropolitan area, including:

  • St. Louis
  • Chesterfield
  • Florissant
  • St. Charles
  • O'Fallon
  • St. Peters
  • Wentzville
  • Kirkwood
  • Webster Groves
  • University City
  • Belleville (IL)
  • Edwardsville (IL)

Region: Midwest. Housing cost-of-living index: 82 (national avg = 100). Composite cost-of-living: 93.

About this St. Louis, MO estimate

The default home price and rent come from the St. Louis, MO metropolitan area's housing cost-of-living index applied to national 2025 medians ($420,000 home, $1,850/mo rent for a typical 2-3 BR). The property tax rate is the average effective rate for Missouri per the Tax Foundation. These are starting points — adjust to match your specific listing, neighborhood, and tax bill.