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City · 8,940 residents · St. Louis County, Missouri

Ladue , Missouri

In Ladue, a typical home is worth $1,056,300. Compared with all of St. Louis County, the typical home value is 282% higher, typical household income is 201% higher, and the share of households that own their home is 26 points higher.

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  • Typical home value

    $1,056,300

    282% above the county

    359% above Missouri

    • Ladue
    • St. Louis
    • Missouri

  • Typical household income

    $250,001a year

    201% above the county

    254% above Missouri

    • Ladue
    • St. Louis
    • Missouri

  • Households that own their home

    96%

    26 points above the county

    28 points above Missouri

    • Ladue
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$1,384,293
8.8% more than 12 months ago
Typical rent
$2,698 a month

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

Ladue 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 Ladue apart

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

  1. Ladue has the highest typical household income of the 141 cities in Missouri with more than 5,000 people: $250,001.

  2. Ladue has the highest typical home value of the 142 cities in Missouri with more than 5,000 people: $1,056,300.

  3. 96% of households in Ladue own their home, against 69% in St. Louis County.

  4. Nearby, in Brentwood, the typical home value is $299,700: 72% less than in Ladue ($1,056,300).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Ladue rose 8.8%; in Missouri, it rose 3.4%.

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

The homes here

Housing in Ladue

What homes there are in Ladue, 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 houses, standing on their own, make up 100% of homes here, against 72% in St. Louis County.

Year built

Homes in Ladue are older: the typical year built is 1955; in St. Louis County, 1969.

Homes in Ladue are bigger: 96% have 3 bedrooms or more; in St. Louis County, 61%.

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

Owners with a mortgage

72%

St. Louis County: 64%

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 Ladue rose 27% since 2015–2019, less than in St. Louis County (39%).

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

MeasureLadueSt. 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 2.602.362.402.53
Drive alone 71%71%75%69%
Carpool Unreliable estimate6%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 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.60 on average, against 2.36 in St. Louis County.

In Ladue, 23% of workers work from home, more than in St. Louis County (18%).

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 Ladue?

A typical home costs more than the typical income allows

We start with a typical home in Ladue, worth $1,056,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Ladue, which is $250,001 a year. For that payment to be 28% of income, a household would need to earn about $383,125 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.

Your numbers

Local data
$

Starts at the typical home value in Ladue. 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 $36,971 (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

$8,940

at 7.18% · 30 years

Loan amount
$1,037,167
Total interest
$1,492,240
Paid off in
November 2056

Includes $17,838 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,833 a month

  • Tight

    $5,833 to $7,500 a month

  • Hard

    more than $7,500 a month

    Your payment · 43%

Compared with the typical household income in Ladue ($250,001 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,940
Principal & interest$7,026
Property tax$836
Home insurance$440
FHA mortgage insurance (MIP)$637

This loan is over the FHA limit

You'd borrow $1,019,329, but the FHA limit for a one-unit home in Ladue is $541,287. You'd need a bigger down payment or a different loan.

You need at least $36,971 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

Ladue and St. Louis County

Ladue 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).

Ladue's own numbers

Typical home value
$1,056,300
Typical yearly household income
$250,001
Households that own their home
96%
Effective property tax rate
0.95%

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 Ladue

A typical home in Ladue is worth $1,056,300: 282% above the county and 359% above Missouri. With the typical household income in Ladue ($250,001 a year), a typical home costs 4.2 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.

  • Ladue 4.2 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

Ladue 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
  • Ladue $1,056,300
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical yearly household income
  • Ladue $250,001
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Ladue next to St. Louis County and Missouri
Measure Ladue St. Louis County Missouri U.S.
Typical home value $1,056,300 $276,800 $230,300 $332,700
Typical yearly household income $250,001 $82,936 $70,702 $80,734
Households that own their home 96% 69% 68% 65%
Typical yearly property tax $10,001 $3,335 $1,948 $3,119
Effective property tax rate 0.95% 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 Ladue

For a typical $1,056,300 home in Ladue, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ladue's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,940a month

    Above the FHA limit for St. Louis County ($541,287)
    Down payment
    $36,971
    Cash to close
    $68,660
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $637

  • Conventional, 5% down $8,576a month

    Above the conventional limit for St. Louis County ($832,750): it would be a "jumbo" loan
    Down payment
    $52,815
    Cash to close
    $84,504
    Rate
    7.18%
    Mortgage insurance
    PMI · $502

  • Conventional, 20% down, no PMI $7,001a month

    Above the conventional limit for St. Louis County ($832,750): it would be a "jumbo" loan
    Down payment
    $211,260
    Cash to close
    $242,949
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,978a month

    Down payment
    $158,445
    Cash to close
    $190,134
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Ladue and for St. Louis County.

Property tax

Effective rate in Ladue

0.95%of the home’s value each year

$10,001 a year for the typical owner in Ladue.

  • Ladue 0.95%
  • 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 Ladue

The Census Bureau publishes no typical rent for Ladue. Below are the fair market rents for St. Louis 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.

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 Ladue

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ladue is in ZIP code 63124.

For 2 bedrooms it is $2,020: $671 more than the fair market rent for St. Louis County ($1,349).

  • 63124 $2,020$2,590

A ZIP code counts for Ladue 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 Ladue

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 grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Ladue

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

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

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

    2709 Woodson Rd, Saint Louis · 5 miles away

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

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

    1300 Hampton Avenue suite 101, Saint Louis · 5 miles away · Spanish

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

  • Better Family Life, Inc.

    5415 Page Blvd, Saint Louis · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 367-3440

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

Help in Spanish near Ladue

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 Ladue

HUD’s record names them for Ladue 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 Ladue, 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 Ladue.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Ladue

Short answers with the numbers for Ladue 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 Ladue?

The typical home value in Ladue is $1,056,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $276,800.

What is the FHA loan limit in Ladue?

Ladue 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 Ladue?

The typical homeowner in Ladue pays $10,001 a year, according to the U.S. Census Bureau. That is 0.95% 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 Ladue?

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).