Español

Este sitio también está en español. Leer en español

City · 18,066 residents · St. Charles County, Missouri

Lake St. Louis , Missouri

In Lake St. Louis, a typical home is worth $405,900 and typical rent is $1,588 a month. Compared with all of St. Charles County, the typical home value is 27% higher and typical household income is 20% higher.

WhatsApp

  • Typical home value

    $405,900

    27% above the county

    76% above Missouri

    • Lake St. Louis
    • St. Charles
    • Missouri

  • Typical rent

    $1,588a month

    16% above the county

    54% above Missouri

    • Lake St. Louis
    • St. Charles
    • Missouri

  • Typical household income

    $125,693a year

    20% above the county

    78% above Missouri

    • Lake St. Louis
    • St. Charles
    • Missouri

  • Households that own their home

    76%

    5 points below the county

    8 points above Missouri

    • Lake St. Louis
    • St. Charles
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$433,058
1% more than 12 months ago
Typical rent
$1,832 a month
6% more than 12 months ago

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

Lake St. Louis is in St. Charles 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. Charles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake St. Louis apart

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

  1. The typical home in Lake St. Louis is worth $405,900, 27% more than in St. Charles County as a whole ($320,800).

  2. Nearby, in O'Fallon, the typical home value is $326,200: 20% less than in Lake St. Louis ($405,900).

  3. Nearby, in Wentzville, the typical rent is $1,345: 15% less than in Lake St. Louis ($1,588).

  4. The typical household income in Lake St. Louis is $125,693, 20% more than in St. Charles County as a whole ($104,692).

  5. The typical rent in Lake St. Louis is $1,588 a month, 16% more than in St. Charles County as a whole ($1,370).

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

The homes here

Housing in Lake St. Louis

What homes there are in Lake St. Louis, 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

In Lake St. Louis, 7 in 10 homes are single-family detached houses; in St. Charles County, 7.

Year built

The typical home in Lake St. Louis was built in 2000, 6 years after the typical one in St. Charles County.

Homes in Lake St. Louis are smaller: 66% have 3 bedrooms or more; in St. Charles County, 76%.

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

$2,225 a month

St. Charles County: $1,866 a month

Without a mortgage

$861 a month

St. Charles County: $696 a month

Owners with a mortgage

72%

St. Charles County: 71%

Owning costs more in Lake St. Louis: with a mortgage, the typical cost is $2,225 a month; in St. Charles County, $1,866. Without one, $861.

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, home values in Lake St. Louis rose at about the same pace as in St. Charles County: 48% against 46%.

Since 2015–2019, the typical rent in Lake St. Louis rose 41%, more than in St. Charles County (32%).

Here income did not keep up with housing: it rose 36%, while home values changed +48% and rent +41%.

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

MeasureLake St. LouisSt. Charles CountyMissouriUnited States
Rental vacancy Unreliable estimate6.2%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.0%1.7%3.4%
People per household 2.462.532.402.53
Drive alone 71%74%75%69%
Carpool 6%6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 22%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Lake St. Louis has 2.46 people on average, about the same as in St. Charles County (2.53).

In Lake St. Louis, 22% of workers work from home, more than in St. Charles 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 Lake St. Louis?

A typical home is tight for the typical income

We start with a typical home in Lake St. Louis, worth $405,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Lake St. Louis, which is $125,693 a year. For that payment to be 28% of income, a household would need to earn about $146,598 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lake St. Louis. 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 $14,207 (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

$3,421

at 7.18% · 30 years

Loan amount
$398,548
Total interest
$573,417
Paid off in
November 2056

Includes $6,855 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,933 a month

  • Tight

    $2,933 to $3,771 a month

    Your payment · 33%

  • Hard

    more than $3,771 a month

Compared with the typical household income in Lake St. Louis ($125,693 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,421
Principal & interest$2,700
Property tax$372
Home insurance$169
FHA mortgage insurance (MIP)$180

You need at least $14,207 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

Lake St. Louis and St. Charles County

Lake St. Louis is in St. Charles 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).

Lake St. Louis's own numbers

Typical home value
$405,900
Typical monthly rent
$1,588
Typical yearly household income
$125,693
Households that own their home
76%
Effective property tax rate
1.1%

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

Numbers for all of St. Charles 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)
+52%
Homes in a high flood-risk zone
1.6%

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. Charles County.

Everything about St. Charles County

Buying

Buying a home in Lake St. Louis

A typical home in Lake St. Louis is worth $405,900: 27% above the county and 76% above Missouri. With the typical household income in Lake St. Louis ($125,693 a year), a typical home costs 3.2 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.

  • Lake St. Louis 3.2 years
  • St. Charles 3.1 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Charles County

According to FHFA’s house price index, home prices in St. Charles County rose 95% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +4.8% +3.7% +2.9%
5 years (2020–2025) +52% +51% +47%
10 years (2015–2025) +95% +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

Lake St. Louis next to St. Charles 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
  • Lake St. Louis $405,900
  • St. Charles $320,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Lake St. Louis $1,588
  • St. Charles $1,370
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Lake St. Louis $125,693
  • St. Charles $104,692
  • Missouri $70,702
  • United States $80,734
See the full table
Lake St. Louis next to St. Charles County and Missouri
Measure Lake St. Louis St. Charles County Missouri U.S.
Typical home value $405,900 $320,800 $230,300 $332,700
Typical monthly rent $1,588 $1,370 $1,033 $1,413
Typical yearly household income $125,693 $104,692 $70,702 $80,734
Households that own their home 76% 81% 68% 65%
Typical yearly property tax $4,448 $3,480 $1,948 $3,119
Effective property tax rate 1.1% 1.08% 0.85% 0.94%
Renters with high rent for their income 32% 42% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Charles 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 Lake St. Louis

For a typical $405,900 home in Lake St. Louis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake St. Louis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,421a month

    Least cash to close
    Down payment
    $14,207
    Cash to close
    $26,384
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $180

  • Conventional, 5% down $3,346a month

    Down payment
    $20,295
    Cash to close
    $32,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $193

  • Conventional, 20% down, no PMI $2,741a month

    Down payment
    $81,180
    Cash to close
    $93,357
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,116a month

    Down payment
    $60,885
    Cash to close
    $73,062
    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 Lake St. Louis and for St. Charles County.

Property tax

Effective rate in Lake St. Louis

1.1%of the home’s value each year

$4,448 a year for the typical owner in Lake St. Louis.

  • Lake St. Louis 1.1%
  • St. Charles 1.08%
  • 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. Charles County

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

Homes in the high-risk zone
1.6%
2,198
Of those, with NFIP insurance
35%
County Missouri U.S.
Homes in the high-risk zone 1.6% 1.6% 3.5%
Of those, with NFIP insurance 35% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake St. Louis

Typical rent in Lake St. Louis is $1,588 a month: 16% above the county. In Lake St. Louis, 32% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Charles 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. Charles 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 Lake St. Louis

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake St. Louis is in ZIP code 63367.

For 2 bedrooms it is $1,900: $551 more than the fair market rent for St. Charles County ($1,349).

  • 63367 $1,900$2,440

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

HUD lists 4 buildings with rents for lower incomes in Lake St. Louis. These are the largest.

  • 703 Fernwood Ter 703 Fernwood Ter, Lake St Louis 63367 1 low-income home · 2 bd: 1 · In service since 1989
  • 704 Fernwood Ter 704 Fernwood Ter, Lake St Louis 63367 1 low-income home · 2 bd: 1 · In service since 1989
  • 705 Fernwood Ter 705 Fernwood Ter, Lake St Louis 63367 1 low-income home · 3 bd: 1 · In service since 1988
  • Lake Ridge 2901 Technology Dr, Lake St Louis 63367 1 bd: 22 · 2 bd: 27 · In service since 2016 · For older adults

See all 55 buildings in St. Charles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lake St. Louis

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.

We found no HUD-approved agencies with an office in St. Charles County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Lake St. Louis

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

The HUD-approved agencies closest to the center of Lake St. Louis, 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 · 23 miles away

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

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

    9420 W Florissant Ave, Saint Louis · 27 miles away

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

  • Beyond Housing

    6506 Wright Way, Saint Louis · 28 miles away

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

All counseling agencies in Missouri

Help in Spanish near Lake St. Louis

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 Lake St. Louis

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

  • ST Charles County Housing Assistance Program Section 8 vouchers (573) 324-2055

One other authority has an office in St. Charles County: see the list Source: HUD

Cities

Other cities in St. Charles County

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

Everything about St. Charles County Housing in Missouri

Nearby cities

The cities closest to Lake St. Louis, with the typical home value.

Neighboring counties

If St. Charles 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 Lake St. Louis.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Lake St. Louis

Short answers with the numbers for Lake St. Louis and all of St. Charles 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 Lake St. Louis?

The typical home value in Lake St. Louis is $405,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Charles County it is $320,800.

How much does it cost to rent in Lake St. Louis?

Typical rent in Lake St. Louis is $1,588 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Charles County is $1,349.

What is the FHA loan limit in Lake St. Louis?

Lake St. Louis uses the FHA limit for all of St. Charles 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 Lake St. Louis?

The typical homeowner in Lake St. Louis pays $4,448 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in St. Charles County, the rate is 1.08%.

Where can I find free help to buy or rent in Lake St. Louis?

We found no HUD-approved counseling agencies with an office in St. Charles County; the nearest ones are on this page. 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).