City · 8,123 residents · St. Louis County, Missouri
Berkeley, Missouri
In Berkeley, a typical home is worth $82,300 and typical rent is $1,074 a month. Compared with all of St. Louis County, the typical home value is 70% lower, typical household income is 47% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $72,333 to $93,183.
Typical rent
$1,347a month
▲ 8% more than 12 months ago
Typical rent from Zillow, September 2024 to September 2026: from $1,107 to $1,347.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Berkeley 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Berkeley is worth $82,300,70% less than in St. Louis County as a whole ($276,800).
2
The typical household income in Berkeley is $44,265,47% less than in St. Louis County as a whole ($82,936).
3
53% of households in Berkeley own their home, against 69% in St. Louis County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Berkeley
What homes there are in Berkeley, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Berkeley
St. Louis County
Missouri
United States
Kind of home: Berkeley and its comparisons
Measure
Berkeley
St. Louis County
Missouri
United States
Detached house
84%
72%
71%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
17%
13%
19%
Mobile home
Unreliable estimate
0%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Berkeley, 8 in 10 homes are single-family detached houses; in St. Louis County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Berkeley
St. Louis County
Missouri
United States
Year built: Berkeley and its comparisons
Measure
Berkeley
St. Louis County
Missouri
United States
Before 1960
63%
34%
27%
26%
1960–1979
27%
34%
25%
24%
1980–1999
Unreliable estimate
21%
25%
25%
2000–2009
Unreliable estimate
6%
13%
14%
2010 or later
Unreliable estimate
4%
10%
11%
The typical home in Berkeley was built in 1957, 12 years before the typical one in St. Louis County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K62%
$100K–$200K25%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Berkeley and its comparisons
Measure
Berkeley
Under $100K
62%
$100K–$200K
25%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99939%
$1,000–$1,49954%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Berkeley and its comparisons
Measure
Berkeley
Under $500
Unreliable
$500–$999
39%
$1,000–$1,499
54%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,120 a month
St. Louis County: $1,753 a month
Without a mortgage
$456 a month
St. Louis County: $698 a month
Owners with a mortgage
58%
St. Louis County: 64%
Owning costs less in Berkeley: with a mortgage, the typical cost is $1,120 a month; in St. Louis County, $1,753. Without one, $456.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Berkeley+29%
St. Louis County+39%
Missouri+47%
United States+53%
Typical rent
BerkeleyNo clear change
St. Louis County+23%
Missouri+25%
United States+33%
Typical household income
BerkeleyNo clear change
St. Louis County+23%
Missouri+28%
United States+29%
Change since 2015–2019: Berkeley and its comparisons
Measure
Berkeley
St. Louis County
Missouri
United States
Typical home value
+29%
+39%
+47%
+53%
Typical rent
No clear change
+23%
+25%
+33%
Typical household income
No clear change
+23%
+28%
+29%
The typical home value in Berkeley rose 29% since 2015–2019, less than in St. Louis County (39%).
Since 2015–2019, the typical rent in Berkeley did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Berkeley and its comparisons
Measure
Berkeley
St. Louis County
Missouri
United States
Rental vacancy
Unreliable estimate
5.0%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.7%
3.4%
People per household
2.75
2.36
2.40
2.53
Drive alone
55%
71%
75%
69%
Carpool
21%
6%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
18%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.75 on average, against 2.36 in St. Louis County.
Carpooling is common in Berkeley: 21% of workers get to work that way, against 6% in St. Louis County.
Do the math
What would you pay each month for a home in Berkeley?
A typical home is within reach of the typical income
We start with a typical home in Berkeley, worth $82,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Berkeley, which is $44,265 a year.
The calculator's FHA and conventional loan limits are those of all of St. Louis County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Berkeley. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $2,881 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$724
at 7.18% · 30 years
Loan amount
$80,809
Total interest
$116,265
Paid off in
November 2056
Includes $1,390 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,033 a month
Your payment · 20%
Tight
$1,033 to $1,328 a month
Hard
more than $1,328 a month
Compared with the typical household income in Berkeley ($44,265 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$547
Property tax
$106
Home insurance
$34
FHA mortgage insurance (MIP)
$36
You need at least $2,881 for the down payment, plus closing costs.
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.
Total monthly payment $724; principal and interest $547.
The city and its county
Berkeley and St. Louis County
Berkeley 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).
Berkeley
Map of St. Louis County, Missouri, with Berkeley marked. Around it, the neighboring counties.
Berkeley
St. Louis County
Other cities with a page
Berkeley's own numbers
Typical home value
$82,300
Typical monthly rent
$1,074
Typical yearly household income
$44,265
Households that own their home
53%
Effective property tax rate
1.54%
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.
A typical home in Berkeley is worth $82,300: 70% below the county and 64% below Missouri. With the typical household income in Berkeley ($44,265 a year), a typical home costs 1.9 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.
Berkeley1.9 years
St. Louis3.3 years
Missouri3.3 years
United States4.1 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.
Yearly change in FHFA’s price index in St. Louis County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +4.6% +4.6% 2017
2018: +3.9% +3.9% 2018
2019: +4.0% +4.0% 2019
2020: +3.0% +3.0% 2020
2021: +8.8% +8.8% 2021
2022: +12.6% +12.6% 2022
2023: +7.3% +7.3% 2023
2024: +5.3% +5.3% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in St. Louis County, Missouri and the United States
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
Berkeley 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
Berkeley$82,300
St. Louis$276,800
Missouri$230,300
United States$332,700
Typical monthly rent
Berkeley$1,074
St. Louis$1,209
Missouri$1,033
United States$1,413
Typical yearly household income
Berkeley$44,265
St. Louis$82,936
Missouri$70,702
United States$80,734
See the full table
Berkeley next to St. Louis County and Missouri
Measure
Berkeley
St. Louis County
Missouri
U.S.
Typical home value
$82,300 ▼70% below the county
$276,800
$230,300
$332,700
Typical monthly rent
$1,074 ▼11% below the county
$1,209
$1,033
$1,413
Typical yearly household income
$44,265 ▼47% below the county
$82,936
$70,702
$80,734
Households that own their home
53% ▼16 points below the county
69%
68%
65%
Typical yearly property tax
$1,264 ▼62% below the county
$3,335
$1,948
$3,119
Effective property tax rate
1.54% ▲0.34 points above the county
1.2%
0.85%
0.94%
Renters with high rent for their income
59% ▲11 points above the county
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 Berkeley
For a typical $82,300 home in Berkeley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berkeley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$724a month
Least cash to close
Down payment
$2,881
Cash to close
$5,350
Rate
7.18%
Mortgage insurance
FHA MIP · $36
Conventional, 5% down$709a month
Down payment
$4,115
Cash to close
$6,584
Rate
7.18%
Mortgage insurance
PMI · $39
Conventional, 20% down, no PMI$586a month
Down payment
$16,460
Cash to close
$18,929
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$662a month
Down payment
$12,345
Cash to close
$14,814
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Berkeley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$724
$2,881
$80,809
7.18%
FHA MIP · $36
$5,350
580
Conventional, 5% down
$709
$4,115
$78,185
7.18%
PMI · $39
$6,584
620*
Conventional, 20% down, no PMI
$586
$16,460
$65,840
7.18%
None
$18,929
620*
ITIN, 15% down (example)
$662
$12,345
$69,955
8.18%
None
$14,814
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Berkeley and for St. Louis County.
Property tax
Effective rate in Berkeley
1.54%of the home’s value each year
$1,264 a year for the typical owner in Berkeley.
Berkeley1.54%
St. Louis1.2%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in Berkeley is $1,074 a month: 11% below the county. In Berkeley, 59% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in St. Louis County (Fiscal year 2027)
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 Berkeley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berkeley is in ZIP code 63134.
For 2 bedrooms it is $1,370: $21 more than the fair market rent for St. Louis County ($1,349).
Fair market rent by ZIP code and size in Berkeley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63134
$1,080
$1,120
$1,370
$1,760
$2,030
ZIP code2 bd3 bd
63134 $1,370$1,760
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berkeley 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Berkeley or St. Louis County. The ones below are statewide in Missouri: they work in Berkeley the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Berkeley or St. Louis County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Berkeley 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 Berkeley?
The typical home value in Berkeley is $82,300, 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 Berkeley?
Typical rent in Berkeley is $1,074 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 Berkeley?
Berkeley 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 Berkeley?
The typical homeowner in Berkeley pays $1,264 a year, according to the U.S. Census Bureau. That is 1.54% 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 Berkeley?
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.
