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City · 18,160 residents · St. Louis County, Missouri

Manchester , Missouri

In Manchester, a typical home is worth $323,100 and typical rent is $1,322 a month. Compared with all of St. Louis County, typical household income is 18% higher, the typical home value is 17% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $323,100

    17% above the county

    40% above Missouri

    • Manchester
    • St. Louis
    • Missouri

  • Typical rent

    $1,322a month

    9% above the county

    28% above Missouri

    • Manchester
    • St. Louis
    • Missouri

  • Typical household income

    $97,801a year

    18% above the county

    38% above Missouri

    • Manchester
    • St. Louis
    • Missouri

  • Households that own their home

    75%

    6 points above the county

    7 points above Missouri

    • Manchester
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$375,974
2.3% more than 12 months ago
Typical rent
$1,805 a month

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

Manchester 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 Manchester apart

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

  1. Nearby, in Valley Park, the typical home value is $251,000: 22% less than in Manchester ($323,100).

  2. The typical household income in Manchester is $97,801, 18% more than in St. Louis County as a whole ($82,936).

  3. The typical home in Manchester is worth $323,100, 17% more than in St. Louis County as a whole ($276,800).

  4. 75% of households in Manchester own their home, against 69% in St. Louis County.

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

The homes here

Housing in Manchester

What homes there are in Manchester, 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

As in St. Louis County, most homes in Manchester are detached houses (73%).

Year built

Homes in Manchester are newer: the typical year built is 1977; in St. Louis County, 1969.

In Manchester, 74% of homes have 3 bedrooms or more, more than 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

With a mortgage

$1,879 a month

St. Louis County: $1,753 a month

Without a mortgage

$774 a month

St. Louis County: $698 a month

Owners with a mortgage

68%

St. Louis County: 64%

In Manchester, 68% of owners have a mortgage, and their typical cost is $1,879 a month, against $1,753 in St. Louis County. Without one it drops to $774.

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 Manchester rose at about the same pace as in St. Louis County: 41% against 39%.

Much as in St. Louis County, the typical rent in Manchester rose 25% since 2015–2019.

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

MeasureManchesterSt. 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 2.492.362.402.53
Drive alone 72%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

On average, a household in Manchester has 2.49 people, more than in St. Louis County (2.36).

Working from home is more common in Manchester: 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 Manchester?

A typical home is tight for the typical income

We start with a typical home in Manchester, worth $323,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Manchester, which is $97,801 a year. For that payment to be 28% of income, a household would need to earn about $117,963 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 Manchester. 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 $11,309 (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

$2,753

at 7.18% · 30 years

Loan amount
$317,247
Total interest
$456,444
Paid off in
November 2056

Includes $5,456 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,282 a month

  • Tight

    $2,282 to $2,934 a month

    Your payment · 34%

  • Hard

    more than $2,934 a month

Compared with the typical household income in Manchester ($97,801 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,753
Principal & interest$2,149
Property tax$326
Home insurance$135
FHA mortgage insurance (MIP)$143

You need at least $11,309 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

Manchester and St. Louis County

Manchester 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).

Manchester's own numbers

Typical home value
$323,100
Typical monthly rent
$1,322
Typical yearly household income
$97,801
Households that own their home
75%
Effective property tax rate
1.21%

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 Manchester

A typical home in Manchester is worth $323,100: 17% above the county and 40% above Missouri. With the typical household income in Manchester ($97,801 a year), a typical home costs 3.3 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.

  • Manchester 3.3 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

Manchester 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
  • Manchester $323,100
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Manchester $1,322
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Manchester $97,801
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Manchester next to St. Louis County and Missouri
Measure Manchester St. Louis County Missouri U.S.
Typical home value $323,100 $276,800 $230,300 $332,700
Typical monthly rent $1,322 $1,209 $1,033 $1,413
Typical yearly household income $97,801 $82,936 $70,702 $80,734
Households that own their home 75% 69% 68% 65%
Typical yearly property tax $3,922 $3,335 $1,948 $3,119
Effective property tax rate 1.21% 1.2% 0.85% 0.94%
Renters with high rent for their income 42% 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 Manchester

For a typical $323,100 home in Manchester, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Manchester's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,752a month

    Least cash to close
    Down payment
    $11,309
    Cash to close
    $21,002
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,693a month

    Down payment
    $16,155
    Cash to close
    $25,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $153

  • Conventional, 20% down, no PMI $2,211a month

    Down payment
    $64,620
    Cash to close
    $74,313
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,510a month

    Down payment
    $48,465
    Cash to close
    $58,158
    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 Manchester and for St. Louis County.

Property tax

Effective rate in Manchester

1.21%of the home’s value each year

$3,922 a year for the typical owner in Manchester.

  • Manchester 1.21%
  • 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 Manchester

Typical rent in Manchester is $1,322 a month: 9% above the county. In Manchester, 42% 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 Manchester

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Manchester has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,630 in 63021 to $1,910 in 63011.

2 of the 2 are above the fair market rent for St. Louis County ($1,349).

  • 63011 $1,910$2,450
  • 63021 $1,630$2,090

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Manchester 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 Manchester

HUD lists one building with rents for lower incomes in Manchester.

  • Rainbow Village II 442 Olian Dr, Manchester 63011 14 low-income homes · For people with disabilities (314) 567-1522

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

Free help

Help to buy or rent in Manchester

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Manchester

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

The HUD-approved agencies closest to the center of Manchester, 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 · 12 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 · 12 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 · 13 miles away

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

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

Help in Spanish near Manchester

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 Manchester

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Manchester

Short answers with the numbers for Manchester 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 Manchester?

The typical home value in Manchester is $323,100, 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 Manchester?

Typical rent in Manchester is $1,322 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 Manchester?

Manchester 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 Manchester?

The typical homeowner in Manchester pays $3,922 a year, according to the U.S. Census Bureau. That is 1.21% 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 Manchester?

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).