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City · 29,363 residents · St. Louis County, Missouri

Kirkwood , Missouri

In Kirkwood, a typical home is worth $451,400 and typical rent is $1,348 a month. Compared with all of St. Louis County, the typical home value is 63% higher, typical household income is 46% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $451,400

    63% above the county

    96% above Missouri

    • Kirkwood
    • St. Louis
    • Missouri

  • Typical rent

    $1,348a month

    11% above the county

    30% above Missouri

    • Kirkwood
    • St. Louis
    • Missouri

  • Typical household income

    $121,270a year

    46% above the county

    72% above Missouri

    • Kirkwood
    • St. Louis
    • Missouri

  • Households that own their home

    77%

    8 points above the county

    9 points above Missouri

    • Kirkwood
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$466,230
4% more than 12 months ago
Typical rent
$1,893 a month
2.1% more than 12 months ago

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

Kirkwood 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 Kirkwood apart

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

  1. The typical home in Kirkwood is worth $451,400, 63% more than in St. Louis County as a whole ($276,800).

  2. The typical household income in Kirkwood is $121,270, 46% more than in St. Louis County as a whole ($82,936).

  3. Nearby, in Crestwood, the typical home value is $319,600: 29% less than in Kirkwood ($451,400).

  4. Nearby, in Crestwood, the typical rent is $1,007: 25% less than in Kirkwood ($1,348).

  5. 77% of households in Kirkwood own their home, against 69% in St. Louis County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Kirkwood

What homes there are in Kirkwood, 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 is the most common home in Kirkwood: 75% of homes, near the figure in St. Louis County (72%).

Year built

In Kirkwood, half of the homes were built before 1962; in St. Louis County, before 1969.

By size, homes in Kirkwood look like those in St. Louis County: 64% have 3 bedrooms or more.

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

With an FHA loan, the cap for St. Louis County is $541,287. About 62% of owner-occupied homes in Kirkwood are worth less than that.

Monthly rent with utilities

With a mortgage

$2,414 a month

St. Louis County: $1,753 a month

Without a mortgage

$849 a month

St. Louis County: $698 a month

Owners with a mortgage

68%

St. Louis County: 64%

Owning costs more in Kirkwood: with a mortgage, the typical cost is $2,414 a month; in St. Louis County, $1,753. Without one, $849.

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

From 2015–2019 to 2020–2024, the typical home value in Kirkwood rose 43%; in St. Louis County, it rose 39%.

The typical rent in Kirkwood rose 26% since 2015–2019, about the same as in St. Louis County (23%).

The typical household income in Kirkwood rose 34% over that time; home values changed +43% and rent +26%.

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

MeasureKirkwoodSt. 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 2.432.362.402.53
Drive alone 69%71%75%69%
Carpool 5%6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%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 Kirkwood look like those in St. Louis County: 2.43 people on average.

Working from home is more common in Kirkwood: 23%, against 18% in St. Louis County.

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 Kirkwood?

A typical home costs more than the typical income allows

We start with a typical home in Kirkwood, worth $451,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Kirkwood, which is $121,270 a year. For that payment to be 28% of income, a household would need to earn about $162,064 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 Kirkwood. 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 $15,799 (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

$3,782

at 7.18% · 30 years

Loan amount
$443,224
Total interest
$637,695
Paid off in
November 2056

Includes $7,623 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,830 a month

  • Tight

    $2,830 to $3,638 a month

  • Hard

    more than $3,638 a month

    Your payment · 37%

Compared with the typical household income in Kirkwood ($121,270 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,782
Principal & interest$3,003
Property tax$391
Home insurance$188
FHA mortgage insurance (MIP)$200

You need at least $15,799 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

Kirkwood and St. Louis County

Kirkwood 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).

Kirkwood's own numbers

Typical home value
$451,400
Typical monthly rent
$1,348
Typical yearly household income
$121,270
Households that own their home
77%
Effective property tax rate
1.04%

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 Kirkwood

A typical home in Kirkwood is worth $451,400: 63% above the county and 96% above Missouri. With the typical household income in Kirkwood ($121,270 a year), a typical home costs 3.7 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.

  • Kirkwood 3.7 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

Kirkwood 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
  • Kirkwood $451,400
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Kirkwood $1,348
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Kirkwood $121,270
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Kirkwood next to St. Louis County and Missouri
Measure Kirkwood St. Louis County Missouri U.S.
Typical home value $451,400 $276,800 $230,300 $332,700
Typical monthly rent $1,348 $1,209 $1,033 $1,413
Typical yearly household income $121,270 $82,936 $70,702 $80,734
Households that own their home 77% 69% 68% 65%
Typical yearly property tax $4,691 $3,335 $1,948 $3,119
Effective property tax rate 1.04% 1.2% 0.85% 0.94%
Renters with high rent for their income 51% 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 Kirkwood

For a typical $451,400 home in Kirkwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kirkwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,782a month

    Least cash to close
    Down payment
    $15,799
    Cash to close
    $29,341
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $200

  • Conventional, 5% down $3,699a month

    Down payment
    $22,570
    Cash to close
    $36,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $214

  • Conventional, 20% down, no PMI $3,026a month

    Down payment
    $90,280
    Cash to close
    $103,822
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,443a month

    Down payment
    $67,710
    Cash to close
    $81,252
    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 Kirkwood and for St. Louis County.

Property tax

Effective rate in Kirkwood

1.04%of the home’s value each year

$4,691 a year for the typical owner in Kirkwood.

  • Kirkwood 1.04%
  • 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 Kirkwood

Typical rent in Kirkwood is $1,348 a month: 11% above the county. In Kirkwood, 51% 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 Kirkwood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kirkwood is in ZIP code 63122.

For 2 bedrooms it is $1,600: $251 more than the fair market rent for St. Louis County ($1,349).

  • 63122 $1,600$2,050

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kirkwood 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?

Low-income apartments

Low-income apartments in Kirkwood

HUD lists 7 buildings with rents for lower incomes in Kirkwood. These are the largest.

  • HSG Auth of Kirkwood 385 S Taylor Ave, Kirkwood 63122 100 low-income homes · Run by Housing Authority of the City of Kirkwood · Average payment: $558 a month · Average wait: 18 months (314) 966-5610
  • Concordia House 111 E Woodbine Ave, Kirkwood 63122 76 low-income homes · For older adults (314) 822-7771
  • Meacham Park Apts 1284 Rockridge Pl, Kirkwood 63122 83 homes, 70 low-income · 2 bd: 45 · 3 bd: 29 · 4 bd: 9 · In service since 2002
  • Rose Hill House 225 W Rose Hill Ave, Kirkwood 63122 67 low-income homes · For older adults (314) 966-0747
  • Life Skills Apartments 364 S Taylor Ave, Kirkwood 63122 64 homes, 48 low-income · For people with disabilities (314) 843-6793

See all 228 buildings in St. Louis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kirkwood

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Kirkwood

No down payment, repair or rent-help program on our list is for Kirkwood or St. Louis County. The ones below are statewide in Missouri: they work in Kirkwood 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 Kirkwood

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

  • NSC (naca Counseling Subsidiary) - ST. Louis, MO

    1300 Hampton Avenue suite 101, Saint Louis · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 645-8333

  • The Housing Partnership, Inc.

    729 Lemay Ferry Rd, Saint Louis · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (314) 631-9905

  • Community Action Agency of ST. Louis County, Inc. (CAASTLC)

    2709 Woodson Rd, Saint Louis · 9 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

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

Help in Spanish near Kirkwood

1 of the 3 agencies on this list says it serves 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 Kirkwood

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

  • Housing Authority of the City of Kirkwood Public housing (314) 966-5610
  • Housing Authority of St. Louis County Public housing and Section 8 vouchers (314) 428-3200

3 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 Kirkwood, 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 Kirkwood.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Kirkwood

Short answers with the numbers for Kirkwood 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 Kirkwood?

The typical home value in Kirkwood is $451,400, 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 Kirkwood?

Typical rent in Kirkwood is $1,348 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 Kirkwood?

Kirkwood 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 Kirkwood?

The typical homeowner in Kirkwood pays $4,691 a year, according to the U.S. Census Bureau. That is 1.04% 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 Kirkwood?

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).