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City · 20,651 residents · St. Louis County, Missouri

Old Jamestown , Missouri

In Old Jamestown, a typical home is worth $236,100 and typical rent is $1,835 a month. Compared with all of St. Louis County, typical rent is 52% higher, typical household income is 20% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $236,100

    15% below the county

    3% above Missouri

    • Old Jamestown
    • St. Louis
    • Missouri

  • Typical rent

    $1,835a month

    52% above the county

    78% above Missouri

    • Old Jamestown
    • St. Louis
    • Missouri

  • Typical household income

    $99,521a year

    20% above the county

    41% above Missouri

    • Old Jamestown
    • St. Louis
    • Missouri

  • Households that own their home

    87%

    18 points above the county

    19 points above Missouri

    • Old Jamestown
    • St. Louis
    • Missouri

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

Old Jamestown 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 Old Jamestown apart

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

  1. Old Jamestown has the 2nd highest typical rent of the 138 cities in Missouri with more than 5,000 people ($1,835).

  2. Nearby, in Bellefontaine Neighbors, the typical home value is $99,700: 58% less than in Old Jamestown ($236,100).

  3. Nearby, in Ferguson, the typical rent is $1,119: 39% less than in Old Jamestown ($1,835).

  4. 87% of households in Old Jamestown own their home, against 69% in St. Louis County.

  5. The typical household income in Old Jamestown is $99,521, 20% more than in St. Louis County as a whole ($82,936).

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

The homes here

Housing in Old Jamestown

What homes there are in Old Jamestown, 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 90% of homes here, against 72% in St. Louis County.

Year built

The typical home in Old Jamestown was built in 1985, 16 years after the typical one in St. Louis County.

Homes in Old Jamestown are bigger: 89% 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

At least 98% of owner-occupied homes in Old Jamestown are worth less than $500,000, below the FHA loan limit for St. Louis County ($541,287).

Monthly rent with utilities

With a mortgage

$1,810 a month

St. Louis County: $1,753 a month

Without a mortgage

$718 a month

St. Louis County: $698 a month

Owners with a mortgage

72%

St. Louis County: 64%

The typical cost for an owner with a mortgage in Old Jamestown is $1,810 a month, near the figure in St. Louis County ($1,753).

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 Old Jamestown rose 34% since 2015–2019, less than in St. Louis County (39%).

Since 2015–2019, the typical rent in Old Jamestown rose 28%, more than in St. Louis County (23%).

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

MeasureOld JamestownSt. 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 2.842.362.402.53
Drive alone 65%71%75%69%
Carpool 9%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

Households in Old Jamestown are bigger: 2.84 people on average; in St. Louis County, 2.36.

Working from home is more common in Old Jamestown: 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 Old Jamestown?

A typical home is within reach of the typical income

We start with a typical home in Old Jamestown, worth $236,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Old Jamestown, which is $99,521 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 Old Jamestown. 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 $8,264 (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

$2,072

at 7.18% · 30 years

Loan amount
$231,823
Total interest
$333,539
Paid off in
November 2056

Includes $3,987 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,322 a month

    Your payment · 25%

  • Tight

    $2,322 to $2,986 a month

  • Hard

    more than $2,986 a month

Compared with the typical household income in Old Jamestown ($99,521 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,072
Principal & interest$1,570
Property tax$299
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,264 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

Old Jamestown and St. Louis County

Old Jamestown 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).

Old Jamestown's own numbers

Typical home value
$236,100
Typical monthly rent
$1,835
Typical yearly household income
$99,521
Households that own their home
87%
Effective property tax rate
1.52%

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 Old Jamestown

A typical home in Old Jamestown is worth $236,100: 15% below the county and 3% above Missouri. With the typical household income in Old Jamestown ($99,521 a year), a typical home costs 2.4 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.

  • Old Jamestown 2.4 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

Old Jamestown 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
  • Old Jamestown $236,100
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Old Jamestown $1,835
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Old Jamestown $99,521
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Old Jamestown next to St. Louis County and Missouri
Measure Old Jamestown St. Louis County Missouri U.S.
Typical home value $236,100 $276,800 $230,300 $332,700
Typical monthly rent $1,835 $1,209 $1,033 $1,413
Typical yearly household income $99,521 $82,936 $70,702 $80,734
Households that own their home 87% 69% 68% 65%
Typical yearly property tax $3,600 $3,335 $1,948 $3,119
Effective property tax rate 1.52% 1.2% 0.85% 0.94%
Renters with high rent for their income 50% 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 Old Jamestown

For a typical $236,100 home in Old Jamestown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Old Jamestown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,072a month

    Least cash to close
    Down payment
    $8,264
    Cash to close
    $15,347
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $2,029a month

    Down payment
    $11,805
    Cash to close
    $18,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,677a month

    Down payment
    $47,220
    Cash to close
    $54,303
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,895a month

    Down payment
    $35,415
    Cash to close
    $42,498
    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 Old Jamestown and for St. Louis County.

Property tax

Effective rate in Old Jamestown

1.52%of the home’s value each year

$3,600 a year for the typical owner in Old Jamestown.

  • Old Jamestown 1.52%
  • 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 Old Jamestown

Typical rent in Old Jamestown is $1,835 a month: 52% above the county. In Old Jamestown, 50% 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 Old Jamestown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Old Jamestown is in ZIP code 63034.

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

  • 63034 $2,020$2,590

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

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Old Jamestown

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

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

  • Urban League of Metropolitan Saint Louis - ST. Louis County Operations

    2900 Pershall Rd, Saint Louis · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    314-615-3600-644

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

    9420 W Florissant Ave, Saint Louis · 7 miles away

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

  • Beyond Housing

    6506 Wright Way, Saint Louis · 10 miles away

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

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

Help in Spanish near Old Jamestown

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 Old Jamestown

HUD’s record names them for Old Jamestown 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 Old Jamestown, 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 Old Jamestown.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Old Jamestown

Short answers with the numbers for Old Jamestown 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 Old Jamestown?

The typical home value in Old Jamestown is $236,100, 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 Old Jamestown?

Typical rent in Old Jamestown is $1,835 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 Old Jamestown?

Old Jamestown 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 Old Jamestown?

The typical homeowner in Old Jamestown pays $3,600 a year, according to the U.S. Census Bureau. That is 1.52% 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 Old Jamestown?

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).