CALCMONEY // HOME AFFORDABILITY // MO // CREVE COEUR
How much house can you afford in Creve Coeur? Based on local median home prices, current MO mortgage rates, and Creve Coeur property tax data.
$850,000
$5,753/mo
$246,578/yr
$431,154
Monthly housing costs of $5,753 represent 45.4% of Creve Coeur's median gross monthly income ($12,667/mo). At 45.4%, median-income buyers in Creve Coeur are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $850,000 |
| Down Payment (20%) | $170,000 |
| Loan Amount | $680,000 |
| Monthly PI Payment | $4,478 |
| Monthly Property Tax | $921 |
| Monthly Insurance Est. | $354 |
| Total Monthly PITI | $5,753 |
| Housing Cost % of Income | 45.4% |
| Required Income (28% rule) | $246,578/yr |
| Max Affordable Home | $431,154 |
$29,750
$7,258/mo
Creve Coeur Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $850,000 | Creve Coeur city median |
| Down Payment (20%) | $170,000 | Conventional loan |
| Monthly PITI | $5,753 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $246,578 | Annual gross |
| Max Affordable Home | $431,154 | Based on median income |
| FHA Down (3.5%) | $29,750 | Minimum FHA |
| Housing Cost % of Income | 45.4% | Median income: $152,000/yr |
| Property Tax Rate | 1.3% | $11,050/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Creve Coeur is $850,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $680,000, generating a monthly P&I payment of $4,478. Adding property taxes ($921/mo) and homeowners insurance ($354/mo) brings total monthly PITI to $5,753.
Creve Coeur's property tax rate of 1.3% is near the national average, adding a standard increment to monthly housing costs. On the Creve Coeur median home, that is $921/month, or $11,050 per year.
Missouri levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Creve Coeur should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Creve Coeur's median income of $152,000/year can afford up to $3,547/month in total housing costs. Based on Creve Coeur's mortgage rate of 6.9% and property tax rate of 1.3%, that translates to a maximum affordable home price of approximately $431,154 with 20% down on a 30-year loan.
To afford the median Creve Coeur home priced at $850,000, you need an annual gross income of approximately $246,578. Total monthly housing costs (principal and interest of $4,478, property taxes of $921, and insurance of $354) come to $5,753/month, which equals 28% of the required income.
At the median home price of $850,000 and median household income of $152,000, the total monthly housing cost of $5,753 represents 45.4% of gross monthly income. This is well above the standard 28% threshold, making Creve Coeur a challenging market for buyers at median income.
A conventional 20% down payment on the median Creve Coeur home of $850,000 is $170,000. An FHA loan requires just 3.5% down — $29,750 — but adds mortgage insurance of roughly $581/month, bringing total FHA payments to $7,258/month.
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