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City · 27,880 residents · St. Louis County, Missouri

Maryland Heights , Missouri

In Maryland Heights, a typical home is worth $227,000 and typical rent is $1,312 a month. Compared with all of St. Louis County, the typical home value is 18% lower, typical rent is 9% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $227,000

    18% below the county

    About the same as Missouri

    • Maryland Heights
    • St. Louis
    • Missouri

  • Typical rent

    $1,312a month

    9% above the county

    27% above Missouri

    • Maryland Heights
    • St. Louis
    • Missouri

  • Typical household income

    $86,436a year

    4% above the county

    22% above Missouri

    • Maryland Heights
    • St. Louis
    • Missouri

  • Households that own their home

    57%

    12 points below the county

    11 points below Missouri

    • Maryland Heights
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$261,902
4.5% more than 12 months ago
Typical rent
$1,398 a month
2.5% more than 12 months ago

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

Maryland Heights 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 Maryland Heights apart

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

  1. Nearby, in St. Ann, the typical home value is $126,600: 44% less than in Maryland Heights ($227,000).

  2. Maryland Heights has the 6th smallest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (27%).

  3. Nearby, in St. Ann, the typical rent is $976: 26% less than in Maryland Heights ($1,312).

  4. 57% of households in Maryland Heights own their home, against 69% in St. Louis County.

  5. The typical home in Maryland Heights is worth $227,000, 18% less than in St. Louis County as a whole ($276,800).

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

The homes here

Housing in Maryland Heights

What homes there are in Maryland Heights, 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 are the majority in Maryland Heights (50%), but less so than in St. Louis County (72%).

Year built

The typical home in Maryland Heights was built in 1975, 6 years after the typical one in St. Louis County.

There are fewer big homes in Maryland Heights than in St. Louis County: 51% have 3 bedrooms or more, against 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

At least 97% of owner-occupied homes in Maryland Heights are worth less than $500,000, below the FHA loan limit for St. Louis County ($541,287).

Monthly rent with utilities

With a mortgage

$1,561 a month

St. Louis County: $1,753 a month

Without a mortgage

$632 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 Maryland Heights is $1,561 a month, less than in St. Louis County ($1,753); without one, $632.

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

Since 2015–2019, homes in Maryland Heights gained value faster than in St. Louis County: 43% against 39%.

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

While home values in Maryland Heights changed +43% and rent +26%, the typical household income rose 30%.

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

MeasureMaryland HeightsSt. 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 2.172.362.402.53
Drive alone 65%71%75%69%
Carpool 8%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 Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.17 on average, against 2.36 in St. Louis County.

Working from home is more common in Maryland Heights: 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 Maryland Heights?

A typical home is within reach of the typical income

We start with a typical home in Maryland Heights, worth $227,000, 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 Maryland Heights, which is $86,436 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 Maryland Heights. 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 $7,945 (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

$1,951

at 7.18% · 30 years

Loan amount
$222,888
Total interest
$320,684
Paid off in
November 2056

Includes $3,833 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,017 a month

    Your payment · 27%

  • Tight

    $2,017 to $2,593 a month

  • Hard

    more than $2,593 a month

Compared with the typical household income in Maryland Heights ($86,436 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,951
Principal & interest$1,510
Property tax$246
Home insurance$95
FHA mortgage insurance (MIP)$100

You need at least $7,945 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

Maryland Heights and St. Louis County

Maryland Heights 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).

Maryland Heights's own numbers

Typical home value
$227,000
Typical monthly rent
$1,312
Typical yearly household income
$86,436
Households that own their home
57%
Effective property tax rate
1.3%

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 Maryland Heights

A typical home in Maryland Heights is worth $227,000: 18% below the county and about the same as Missouri. With the typical household income in Maryland Heights ($86,436 a year), a typical home costs 2.6 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.

  • Maryland Heights 2.6 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

Maryland Heights 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
  • Maryland Heights $227,000
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Maryland Heights $1,312
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Maryland Heights $86,436
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Maryland Heights next to St. Louis County and Missouri
Measure Maryland Heights St. Louis County Missouri U.S.
Typical home value $227,000 $276,800 $230,300 $332,700
Typical monthly rent $1,312 $1,209 $1,033 $1,413
Typical yearly household income $86,436 $82,936 $70,702 $80,734
Households that own their home 57% 69% 68% 65%
Typical yearly property tax $2,942 $3,335 $1,948 $3,119
Effective property tax rate 1.3% 1.2% 0.85% 0.94%
Renters with high rent for their income 27% 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 Maryland Heights

For a typical $227,000 home in Maryland Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maryland Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,951a month

    Least cash to close
    Down payment
    $7,945
    Cash to close
    $14,755
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,909a month

    Down payment
    $11,350
    Cash to close
    $18,160
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,571a month

    Down payment
    $45,400
    Cash to close
    $52,210
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,781a month

    Down payment
    $34,050
    Cash to close
    $40,860
    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 Maryland Heights and for St. Louis County.

Property tax

Effective rate in Maryland Heights

1.3%of the home’s value each year

$2,942 a year for the typical owner in Maryland Heights.

  • Maryland Heights 1.3%
  • 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 Maryland Heights

Typical rent in Maryland Heights is $1,312 a month: 9% above the county. In Maryland Heights, 27% 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 Maryland Heights

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

For 2 bedrooms it runs from $1,480 in 63043 to $1,760 in 63146.

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

  • 63043 $1,480$1,900
  • 63146 $1,760$2,260

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

HUD lists 2 buildings with rents for lower incomes in Maryland Heights. These are the largest.

  • Villa Lago 162 Fee Fee Rd, Maryland Heights 63043 120 low-income homes · Run by Housing Authority of St. Louis County · Average payment: $333 a month · Average wait: 352 months (314) 428-3200
  • Arbor Hill 145 Apple Ave, Maryland Heights 63043 70 low-income homes · Run by Housing Authority of St. Louis County · Average payment: $290 a month (314) 428-3200

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

Free help

Help to buy or rent in Maryland Heights

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 Maryland Heights

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

The HUD-approved agencies closest to the center of Maryland Heights, 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 · 6 miles away

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

  • Beyond Housing

    6506 Wright Way, Saint Louis · 11 miles away

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

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

    9420 W Florissant Ave, Saint Louis · 11 miles away

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

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

Help in Spanish near Maryland Heights

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 Maryland Heights

HUD’s record names them for Maryland Heights 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 Maryland Heights, 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 Maryland Heights.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Maryland Heights

Short answers with the numbers for Maryland Heights 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 Maryland Heights?

The typical home value in Maryland Heights is $227,000, 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 Maryland Heights?

Typical rent in Maryland Heights is $1,312 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 Maryland Heights?

Maryland Heights 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 Maryland Heights?

The typical homeowner in Maryland Heights pays $2,942 a year, according to the U.S. Census Bureau. That is 1.3% 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 Maryland Heights?

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).