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City · 10,498 residents · St. Louis County, Missouri

Bellefontaine Neighbors , Missouri

In Bellefontaine Neighbors, a typical home is worth $99,700 and typical rent is $1,151 a month. Compared with all of St. Louis County, the typical home value is 64% lower, typical household income is 41% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $99,700

    64% below the county

    57% below Missouri

    • Bellefontaine Neighbors
    • St. Louis
    • Missouri

  • Typical rent

    $1,151a month

    5% below the county

    11% above Missouri

    • Bellefontaine Neighbors
    • St. Louis
    • Missouri

  • Typical household income

    $49,170a year

    41% below the county

    30% below Missouri

    • Bellefontaine Neighbors
    • St. Louis
    • Missouri

  • Households that own their home

    58%

    11 points below the county

    10 points below Missouri

    • Bellefontaine Neighbors
    • St. Louis
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$101,552
4% less than 12 months ago
Typical rent
$1,403 a month
7% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bellefontaine Neighbors is in St. Louis County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Louis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bellefontaine Neighbors apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Bellefontaine Neighbors is worth $99,700, 64% less than in St. Louis County as a whole ($276,800).

  2. Bellefontaine Neighbors has the 5th largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (66%).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Bellefontaine Neighbors fell 4%; in Missouri, it rose 3.4%.

  4. The typical household income in Bellefontaine Neighbors is $49,170, 41% less than in St. Louis County as a whole ($82,936).

  5. Nearby, in Jennings, the typical home value is $68,800: 31% less than in Bellefontaine Neighbors ($99,700).

  6. Nearby, in Jennings, the typical rent is $961: 17% less than in Bellefontaine Neighbors ($1,151).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Bellefontaine Neighbors

What homes there are in Bellefontaine Neighbors, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Bellefontaine Neighbors: 91% of homes, more than in St. Louis County (72%).

Year built

In Bellefontaine Neighbors, half of the homes were built before 1958; in St. Louis County, before 1969.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,087 a month

St. Louis County: $1,753 a month

Without a mortgage

$484 a month

St. Louis County: $698 a month

Owners with a mortgage

58%

St. Louis County: 64%

Owning costs less in Bellefontaine Neighbors: with a mortgage, the typical cost is $1,087 a month; in St. Louis County, $1,753. Without one, $484.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Bellefontaine Neighbors rose 57% since 2015–2019, more than in St. Louis County (39%).

Rent in Bellefontaine Neighbors moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBellefontaine NeighborsSt. Louis CountyMissouriUnited States
Rental vacancy Unreliable estimate5.0%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%0.9%0.9%
More than one person per room Unreliable estimate1.4%1.7%3.4%
People per household 2.402.362.402.53
Drive alone 64%71%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 19%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Bellefontaine Neighbors look like those in St. Louis County: 2.40 people on average.

In Bellefontaine Neighbors, 64% of workers drive alone to work; in St. Louis County, 71%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bellefontaine Neighbors?

A typical home is within reach of the typical income

We start with a typical home in Bellefontaine Neighbors, worth $99,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Bellefontaine Neighbors, which is $49,170 a year.

The calculator's FHA and conventional loan limits are those of all of St. Louis County.

Your numbers

Local data
$

Starts at the typical home value in Bellefontaine Neighbors. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,490 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$893

at 7.18% · 30 years

Loan amount
$97,894
Total interest
$140,846
Paid off in
November 2056

Includes $1,684 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,147 a month

    Your payment · 22%

  • Tight

    $1,147 to $1,475 a month

  • Hard

    more than $1,475 a month

Compared with the typical household income in Bellefontaine Neighbors ($49,170 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$893
Principal & interest$663
Property tax$144
Home insurance$42
FHA mortgage insurance (MIP)$44

You need at least $3,490 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bellefontaine Neighbors and St. Louis County

Bellefontaine Neighbors is in St. Louis County, Missouri. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bellefontaine Neighbors's own numbers

Typical home value
$99,700
Typical monthly rent
$1,151
Typical yearly household income
$49,170
Households that own their home
58%
Effective property tax rate
1.73%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Louis County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Louis County.

Everything about St. Louis County

Buying

Buying a home in Bellefontaine Neighbors

A typical home in Bellefontaine Neighbors is worth $99,700: 64% below the county and 57% below Missouri. With the typical household income in Bellefontaine Neighbors ($49,170 a year), a typical home costs 2.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bellefontaine Neighbors 2.0 years
  • St. Louis 3.3 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Louis County

According to FHFA’s house price index, home prices in St. Louis County rose 75% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Louis County.

Period County Missouri U.S.
Last year (2025) +3.8% +3.7% +2.9%
5 years (2020–2025) +44% +51% +47%
10 years (2015–2025) +75% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bellefontaine Neighbors next to St. Louis County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bellefontaine Neighbors $99,700
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Bellefontaine Neighbors $1,151
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Bellefontaine Neighbors $49,170
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Bellefontaine Neighbors next to St. Louis County and Missouri
Measure Bellefontaine Neighbors St. Louis County Missouri U.S.
Typical home value $99,700 $276,800 $230,300 $332,700
Typical monthly rent $1,151 $1,209 $1,033 $1,413
Typical yearly household income $49,170 $82,936 $70,702 $80,734
Households that own their home 58% 69% 68% 65%
Typical yearly property tax $1,727 $3,335 $1,948 $3,119
Effective property tax rate 1.73% 1.2% 0.85% 0.94%
Renters with high rent for their income 66% 48% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Louis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bellefontaine Neighbors

For a typical $99,700 home in Bellefontaine Neighbors, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellefontaine Neighbors's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $893a month

    Least cash to close
    Down payment
    $3,490
    Cash to close
    $6,481
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $44

  • Conventional, 5% down $874a month

    Down payment
    $4,985
    Cash to close
    $7,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $47

  • Conventional, 20% down, no PMI $726a month

    Down payment
    $19,940
    Cash to close
    $22,931
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $818a month

    Down payment
    $14,955
    Cash to close
    $17,946
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bellefontaine Neighbors and for St. Louis County.

Property tax

Effective rate in Bellefontaine Neighbors

1.73%of the home’s value each year

$1,727 a year for the typical owner in Bellefontaine Neighbors.

  • Bellefontaine Neighbors 1.73%
  • St. Louis 1.2%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in St. Louis County

FEMA does not publish these numbers by city: they are for all of St. Louis County.

Homes in the high-risk zone
1%
3,470
Of those, with NFIP insurance
34%
County Missouri U.S.
Homes in the high-risk zone 1% 1.6% 3.5%
Of those, with NFIP insurance 34% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bellefontaine Neighbors

Typical rent in Bellefontaine Neighbors is $1,151 a month: 5% below the county. In Bellefontaine Neighbors, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Louis County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of St. Louis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bellefontaine Neighbors

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellefontaine Neighbors is in ZIP code 63137.

For 2 bedrooms it is $1,300: $49 less than the fair market rent for St. Louis County ($1,349).

  • 63137 $1,300$1,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bellefontaine Neighbors when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bellefontaine Neighbors

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in St. Louis County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Bellefontaine Neighbors

No down payment, repair or rent-help program on our list is for Bellefontaine Neighbors or St. Louis County. The ones below are statewide in Missouri: they work in Bellefontaine Neighbors the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Bellefontaine Neighbors

The HUD-approved agencies closest to the center of Bellefontaine Neighbors, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Urban League of Metropolitan Saint Louis - ST. Louis County Operations

    2900 Pershall Rd, Saint Louis · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    314-615-3600-644

  • Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

    9420 W Florissant Ave, Saint Louis · 3 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (314) 615-3644

  • Beyond Housing

    6506 Wright Way, Saint Louis · 5 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 2 more
    (314) 533-0600

Every agency in St. Louis County All counseling agencies in Missouri

Help in Spanish near Bellefontaine Neighbors

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bellefontaine Neighbors

HUD’s record names them for Bellefontaine Neighbors or St. Louis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of St. Louis County Public housing and Section 8 vouchers (314) 428-3200

4 other authorities have an office in St. Louis County: see the list Source: HUD

Cities

Other cities in St. Louis County

These cities are also in St. Louis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Louis County Housing in Missouri
See 31 more cities in St. Louis County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Bellefontaine Neighbors, with the typical home value.

Neighboring counties

If St. Louis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bellefontaine Neighbors.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Bellefontaine Neighbors

Short answers with the numbers for Bellefontaine Neighbors and all of St. Louis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bellefontaine Neighbors?

The typical home value in Bellefontaine Neighbors is $99,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $276,800.

How much does it cost to rent in Bellefontaine Neighbors?

Typical rent in Bellefontaine Neighbors is $1,151 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Louis County is $1,349.

What is the FHA loan limit in Bellefontaine Neighbors?

Bellefontaine Neighbors uses the FHA limit for all of St. Louis County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Bellefontaine Neighbors?

The typical homeowner in Bellefontaine Neighbors pays $1,727 a year, according to the U.S. Census Bureau. That is 1.73% of the home’s value; in St. Louis County, the rate is 1.2%.

Where can I find free help to buy or rent in Bellefontaine Neighbors?

There are 5 HUD-approved counseling agencies with an office in St. Louis County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).