City · 9,170 residents · St. Louis County, Missouri
Des Peres, Missouri
In Des Peres, a typical home is worth $609,200 and typical rent is $1,750 a month. Compared with all of St. Louis County, typical household income is 170% higher, the typical home value is 120% higher, and the share of households that own their home is 27 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $535,743 to $710,886.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Des Peres 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
Des Peres has the 2nd highest homeownership rate of the 142 cities in Missouri with more than 5,000 people (96%).
2
The typical household income in Des Peres is $224,327,170% more than in St. Louis County as a whole ($82,936).
3
The typical home in Des Peres is worth $609,200,120% more than in St. Louis County as a whole ($276,800).
4
Des Peres has the 4th highest typical rent of the 138 cities in Missouri with more than 5,000 people ($1,750).
5
Nearby, in Manchester, the typical home value is $323,100: 47% less than in Des Peres ($609,200).
6
Nearby, in Manchester, the typical rent is $1,322: 24% less than in Des Peres ($1,750).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Des Peres
What homes there are in Des Peres, 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
Des Peres
St. Louis County
Missouri
United States
Kind of home: Des Peres and its comparisons
Measure
Des Peres
St. Louis County
Missouri
United States
Detached house
98%
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 Des Peres, 10 in 10 homes are single-family detached houses; in St. Louis County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Des Peres
St. Louis County
Missouri
United States
Year built: Des Peres and its comparisons
Measure
Des Peres
St. Louis County
Missouri
United States
Before 1960
20%
34%
27%
26%
1960–1979
41%
34%
25%
24%
1980–1999
26%
21%
25%
25%
2000–2009
6%
6%
13%
14%
2010 or later
7%
4%
10%
11%
The typical home in Des Peres was built in 1976, 7 years after the typical one in St. Louis County.
Homes in Des Peres are bigger: 97% have 3 bedrooms or more; in St. Louis County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K23%
$500K–$750K49%
$750K–$1M11%
$1M or more11%
Value of owner-occupied homes: Des Peres and its comparisons
Measure
Des Peres
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
23%
$500K–$750K
49%
$750K–$1M
11%
$1M or more
11%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Des Peres and its comparisons
Measure
Des Peres
Under $500
Unreliable estimate
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$3,126 a month
St. Louis County: $1,753 a month
Without a mortgage
$949 a month
St. Louis County: $698 a month
Owners with a mortgage
67%
St. Louis County: 64%
The typical cost for an owner with a mortgage in Des Peres is $3,126 a month, more than in St. Louis County ($1,753); without one, $949.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Des Peres+35%
St. Louis County+39%
Missouri+47%
United States+53%
Typical rent
Des PeresNo clear change
St. Louis County+23%
Missouri+25%
United States+33%
Typical household income
Des Peres+49%
St. Louis County+23%
Missouri+28%
United States+29%
Change since 2015–2019: Des Peres and its comparisons
Measure
Des Peres
St. Louis County
Missouri
United States
Typical home value
+35%
+39%
+47%
+53%
Typical rent
No clear change
+23%
+25%
+33%
Typical household income
+49%
+23%
+28%
+29%
Homes in Des Peres gained value more slowly than in St. Louis County: 35% since 2015–2019, against 39%.
Rent in Des Peres moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Des Peres and its comparisons
Measure
Des Peres
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
2.81
2.36
2.40
2.53
Drive alone
77%
71%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
19%
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
On average, a household in Des Peres has 2.81 people, more than in St. Louis County (2.36).
To get to work, 77% of workers in Des Peres drive alone; in St. Louis County, 71%.
Do the math
What would you pay each month for a home in Des Peres?
A typical home is within reach of the typical income
We start with a typical home in Des Peres, worth $609,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Des Peres, which is $224,327 a year. Note: at that price the loan is above the FHA limit for St. Louis County ($541,287), so FHA would not insure it; the payment is only a reference.
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 Des Peres. 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 $21,322 (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
$5,068
at 7.18% · 30 years
Loan amount
$598,166
Total interest
$860,620
Paid off in
November 2056
Includes $10,288 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,234 a month
Your payment · 27%
Tight
$5,234 to $6,730 a month
Hard
more than $6,730 a month
Compared with the typical household income in Des Peres ($224,327 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,052
Property tax
$492
Home insurance
$254
FHA mortgage insurance (MIP)
$269
This loan is over the FHA limit
You'd borrow $587,878, but the FHA limit for a one-unit home in Des Peres is $541,287. You'd need a bigger down payment or a different loan.
You need at least $21,322 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 $5,068; principal and interest $4,052.
The city and its county
Des Peres and St. Louis County
Des Peres 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).
Des Peres
Map of St. Louis County, Missouri, with Des Peres marked. Around it, the neighboring counties.
Des Peres
St. Louis County
Other cities with a page
Des Peres's own numbers
Typical home value
$609,200
Typical monthly rent
$1,750
Typical yearly household income
$224,327
Households that own their home
96%
Effective property tax rate
0.97%
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 Des Peres is worth $609,200: 120% above the county and 165% above Missouri. With the typical household income in Des Peres ($224,327 a year), a typical home costs 2.7 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.
Des Peres2.7 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
Des Peres 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
Des Peres$609,200
St. Louis$276,800
Missouri$230,300
United States$332,700
Typical monthly rent
Des Peres$1,750
St. Louis$1,209
Missouri$1,033
United States$1,413
Typical yearly household income
Des Peres$224,327
St. Louis$82,936
Missouri$70,702
United States$80,734
See the full table
Des Peres next to St. Louis County and Missouri
Measure
Des Peres
St. Louis County
Missouri
U.S.
Typical home value
$609,200 ▲120% above the county
$276,800
$230,300
$332,700
Typical monthly rent
$1,750 ▲45% above the county
$1,209
$1,033
$1,413
Typical yearly household income
$224,327 ▲170% above the county
$82,936
$70,702
$80,734
Households that own their home
96% ▲27 points above the county
69%
68%
65%
Typical yearly property tax
$5,900 ▲77% above the county
$3,335
$1,948
$3,119
Effective property tax rate
0.97% ▼0.23 points below the county
1.2%
0.85%
0.94%
“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 Des Peres
For a typical $609,200 home in Des Peres, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Des Peres's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,068a month
Above the FHA limit for St. Louis County ($541,287)
Down payment
$21,322
Cash to close
$39,598
Rate
7.18%
Mortgage insurance
FHA MIP · $269
Conventional, 5% down$4,956a month
Least cash to close
Down payment
$30,460
Cash to close
$48,736
Rate
7.18%
Mortgage insurance
PMI · $289
Conventional, 20% down, no PMI$4,048a month
Down payment
$121,840
Cash to close
$140,116
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,611a month
Down payment
$91,380
Cash to close
$109,656
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Des Peres
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for St. Louis County ($541,287)
$5,068
$21,322
$598,166
7.18%
FHA MIP · $269
$39,598
580
Conventional, 5% down Least cash to close
$4,956
$30,460
$578,740
7.18%
PMI · $289
$48,736
620*
Conventional, 20% down, no PMI
$4,048
$121,840
$487,360
7.18%
None
$140,116
620*
ITIN, 15% down (example)
$4,611
$91,380
$517,820
8.18%
None
$109,656
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Des Peres and for St. Louis County.
Property tax
Effective rate in Des Peres
0.97%of the home’s value each year
$5,900 a year for the typical owner in Des Peres.
Des Peres0.97%
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 Des Peres is $1,750 a month: 45% above the county.
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 Des Peres
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Des Peres has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,600 in 63122 to $2,020 in 63131.
2 of the 2 are above the fair market rent for St. Louis County ($1,349).
Fair market rent by ZIP code and size in Des Peres, fiscal year 2027.
63122
$1,260
$1,310
$1,600
$2,050
$2,370
63131
$1,590
$1,650
$2,020
$2,590
$2,990
ZIP code2 bd3 bd
63122 $1,600$2,050
63131 $2,020$2,590
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Des Peres 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 Des Peres or St. Louis County. The ones below are statewide in Missouri: they work in Des Peres 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 Des Peres 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 Des Peres 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 Des Peres?
The typical home value in Des Peres is $609,200, 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 Des Peres?
Typical rent in Des Peres is $1,750 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 Des Peres?
Des Peres 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 Des Peres?
The typical homeowner in Des Peres pays $5,900 a year, according to the U.S. Census Bureau. That is 0.97% 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 Des Peres?
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.
