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City · 35,333 residents · St. Louis County, Missouri

Oakville , Missouri

In Oakville, a typical home is worth $318,600 and typical rent is $1,091 a month. Compared with all of St. Louis County, typical household income is 28% higher, the typical home value is 15% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $318,600

    15% above the county

    38% above Missouri

    • Oakville
    • St. Louis
    • Missouri

  • Typical rent

    $1,091a month

    10% below the county

    6% above Missouri

    • Oakville
    • St. Louis
    • Missouri

  • Typical household income

    $106,362a year

    28% above the county

    50% above Missouri

    • Oakville
    • St. Louis
    • Missouri

  • Households that own their home

    86%

    17 points above the county

    18 points above Missouri

    • Oakville
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$363,742
3.4% more than 12 months ago
Typical rent
$1,552 a month

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

Oakville 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 Oakville apart

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

  1. Nearby, in Lemay, the typical home value is $152,200: 52% less than in Oakville ($318,600).

  2. 86% of households in Oakville own their home, against 69% in St. Louis County.

  3. The typical household income in Oakville is $106,362, 28% more than in St. Louis County as a whole ($82,936).

  4. Nearby, in Lemay, the typical rent is $881: 19% less than in Oakville ($1,091).

  5. The typical home in Oakville is worth $318,600, 15% more than in St. Louis County as a whole ($276,800).

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

The homes here

Housing in Oakville

What homes there are in Oakville, 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 rules in Oakville: 80% of homes, more than in St. Louis County (72%).

Year built

Homes in Oakville are newer: the typical year built is 1982; in St. Louis County, 1969.

Homes in Oakville are bigger: 78% 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

About 90% of owner-occupied homes in Oakville are worth less than the FHA loan limit for St. Louis County ($541,287).

Monthly rent with utilities

With a mortgage

$1,887 a month

St. Louis County: $1,753 a month

Without a mortgage

$707 a month

St. Louis County: $698 a month

Owners with a mortgage

58%

St. Louis County: 64%

In Oakville, 58% of owners have a mortgage, and their typical cost is $1,887 a month, against $1,753 in St. Louis County. Without one it drops to $707.

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 Oakville rose 36%; in St. Louis County, it rose 39%.

Much as in St. Louis County, the typical rent in Oakville rose 20% since 2015–2019.

The typical household income in Oakville rose 24% over that time; home values changed +36% and rent +20%.

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

MeasureOakvilleSt. 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 2.532.362.402.53
Drive alone 76%71%75%69%
Carpool 4%6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 19%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Oakville has 2.53 people, more than in St. Louis County (2.36).

In Oakville, 76% of workers drive alone to work; in St. Louis County, 71%.

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 Oakville?

A typical home is tight for the typical income

We start with a typical home in Oakville, worth $318,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Oakville, which is $106,362 a year. For that payment to be 28% of income, a household would need to earn about $114,727 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 Oakville. 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 $11,151 (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

$2,677

at 7.18% · 30 years

Loan amount
$312,829
Total interest
$450,088
Paid off in
November 2056

Includes $5,380 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,482 a month

  • Tight

    $2,482 to $3,191 a month

    Your payment · 30%

  • Hard

    more than $3,191 a month

Compared with the typical household income in Oakville ($106,362 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,677
Principal & interest$2,119
Property tax$284
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,151 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

Oakville and St. Louis County

Oakville 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).

Oakville's own numbers

Typical home value
$318,600
Typical monthly rent
$1,091
Typical yearly household income
$106,362
Households that own their home
86%
Effective property tax rate
1.07%

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 Oakville

A typical home in Oakville is worth $318,600: 15% above the county and 38% above Missouri. With the typical household income in Oakville ($106,362 a year), a typical home costs 3.0 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.

  • Oakville 3.0 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

Oakville 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
  • Oakville $318,600
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Oakville $1,091
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Oakville $106,362
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Oakville next to St. Louis County and Missouri
Measure Oakville St. Louis County Missouri U.S.
Typical home value $318,600 $276,800 $230,300 $332,700
Typical monthly rent $1,091 $1,209 $1,033 $1,413
Typical yearly household income $106,362 $82,936 $70,702 $80,734
Households that own their home 86% 69% 68% 65%
Typical yearly property tax $3,414 $3,335 $1,948 $3,119
Effective property tax rate 1.07% 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 Oakville

For a typical $318,600 home in Oakville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oakville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,677a month

    Least cash to close
    Down payment
    $11,151
    Cash to close
    $20,709
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,619a month

    Down payment
    $15,930
    Cash to close
    $25,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $151

  • Conventional, 20% down, no PMI $2,143a month

    Down payment
    $63,720
    Cash to close
    $73,278
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,438a month

    Down payment
    $47,790
    Cash to close
    $57,348
    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 Oakville and for St. Louis County.

Property tax

Effective rate in Oakville

1.07%of the home’s value each year

$3,414 a year for the typical owner in Oakville.

  • Oakville 1.07%
  • 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 Oakville

Typical rent in Oakville is $1,091 a month: 10% below the county. In Oakville, 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 Oakville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oakville is in ZIP code 63129.

For 2 bedrooms it is $1,330: $19 less than the fair market rent for St. Louis County ($1,349).

  • 63129 $1,330$1,710

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

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Oakville

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

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

  • The Housing Partnership, Inc.

    729 Lemay Ferry Rd, Saint Louis · 7 miles away

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

  • 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

  • Housing Options Provided for the Elderly (H.O.P.E)

    1120 S 6th St, Saint Louis · 13 miles away

    • Reverse mortgage counseling
    (844) 432-6467

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

Help in Spanish near Oakville

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 Oakville

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

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Oakville

Short answers with the numbers for Oakville 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 Oakville?

The typical home value in Oakville is $318,600, 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 Oakville?

Typical rent in Oakville is $1,091 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 Oakville?

Oakville 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 Oakville?

The typical homeowner in Oakville pays $3,414 a year, according to the U.S. Census Bureau. That is 1.07% 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 Oakville?

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).