CALCMONEY // MORTGAGE // MO // SAINT LOUIS
Calculate your monthly mortgage payment using Saint Louis-specific property tax rates and local market data.
$218,000
6.8%
1.2%
101
| Principal & Interest | $1,137 |
| Property Tax | $218 |
| Homeowners Insurance (est.) | $73 |
| Total Monthly Payment (PITI) | $1,428 |
$43,600
$234,905
$61,184/yr
Home prices in Saint Louis run 48% below the national median: $218,000 versus $420,000. Relative to the $45,000 median household income here, the price-to-income ratio comes out to 4.8x.
Property taxes in Saint Louis run 1.2% of assessed value, above the 1.1% national average. On the median home, that's $2,616 a year, or $218 added to the monthly payment.
Between the $1,428/month mortgage payment and Missouri's state income tax, your real housing cost calculation needs your after-tax number, not your gross salary.
Beyond housing, Saint Louis's cost of living index sits at 101 (national average = 100), running above the national baseline for groceries, transportation, and everyday services.
Saint Louis's median home price runs 15% lower than nearby Kansas City: $255,000 there versus $218,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $174,400 loan saves $7,848 in interest over 30 years.
Compare Top Saint Louis Mortgage LendersKansas City
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