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City · 8,645 residents · St. Louis County, Missouri

Olivette , Missouri

In Olivette, a typical home is worth $460,800 and typical rent is $1,513 a month. Compared with all of St. Louis County, the typical home value is 66% higher and typical household income is 35% higher.

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  • Typical home value

    $460,800

    66% above the county

    100% above Missouri

    • Olivette
    • St. Louis
    • Missouri

  • Typical rent

    $1,513a month

    25% above the county

    46% above Missouri

    • Olivette
    • St. Louis
    • Missouri

  • Typical household income

    $111,660a year

    35% above the county

    58% above Missouri

    • Olivette
    • St. Louis
    • Missouri

  • Households that own their home

    74%

    4 points above the county

    5 points above Missouri

    • Olivette
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$496,471
3.8% more than 12 months ago
Typical rent
$1,954 a month
1% more than 12 months ago

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

Olivette 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 Olivette apart

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

  1. The typical home in Olivette is worth $460,800, 66% more than in St. Louis County as a whole ($276,800).

  2. Nearby, in St. John, the typical home value is $106,300: 77% less than in Olivette ($460,800).

  3. The typical household income in Olivette is $111,660, 35% more than in St. Louis County as a whole ($82,936).

  4. Nearby, in Overland, the typical rent is $1,112: 27% less than in Olivette ($1,513).

  5. The typical rent in Olivette is $1,513 a month, 25% more than in St. Louis County as a whole ($1,209).

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

The homes here

Housing in Olivette

What homes there are in Olivette, 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 is the most common home in Olivette: 74% of homes, near the figure in St. Louis County (72%).

Year built

Homes in Olivette are older: the typical year built is 1960; in St. Louis County, 1969.

Homes in Olivette are bigger: 71% 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
Monthly rent with utilities

With a mortgage

$2,478 a month

St. Louis County: $1,753 a month

Without a mortgage

$889 a month

St. Louis County: $698 a month

Owners with a mortgage

61%

St. Louis County: 64%

In Olivette, 61% of owners have a mortgage, and their typical cost is $2,478 a month, against $1,753 in St. Louis County. Without one it drops to $889.

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 Olivette rose at about the same pace as in St. Louis County: 36% against 39%.

The typical rent in Olivette rose 34% over the same time; in St. Louis County, it rose 23%.

Here income did not keep up with housing: it rose 30%, while home values changed +36% and rent +34%.

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

MeasureOlivetteSt. 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 2.462.362.402.53
Drive alone 64%71%75%69%
Carpool 5%6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 28%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Olivette has 2.46 people on average, about the same as in St. Louis County (2.36).

Many people here do not commute at all: 28% work from home; in St. Louis 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 Olivette?

A typical home costs more than the typical income allows

We start with a typical home in Olivette, worth $460,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Olivette, which is $111,660 a year. For that payment to be 28% of income, a household would need to earn about $167,743 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 Olivette. 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 $16,128 (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

$3,914

at 7.18% · 30 years

Loan amount
$452,454
Total interest
$650,975
Paid off in
November 2056

Includes $7,782 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,605 a month

  • Tight

    $2,605 to $3,350 a month

  • Hard

    more than $3,350 a month

    Your payment · 42%

Compared with the typical household income in Olivette ($111,660 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,914
Principal & interest$3,065
Property tax$453
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,128 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

Olivette and St. Louis County

Olivette 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).

Olivette's own numbers

Typical home value
$460,800
Typical monthly rent
$1,513
Typical yearly household income
$111,660
Households that own their home
74%
Effective property tax rate
1.18%

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 Olivette

A typical home in Olivette is worth $460,800: 66% above the county and 100% above Missouri. With the typical household income in Olivette ($111,660 a year), a typical home costs 4.1 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.

  • Olivette 4.1 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

Olivette 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
  • Olivette $460,800
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Olivette $1,513
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Olivette $111,660
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Olivette next to St. Louis County and Missouri
Measure Olivette St. Louis County Missouri U.S.
Typical home value $460,800 $276,800 $230,300 $332,700
Typical monthly rent $1,513 $1,209 $1,033 $1,413
Typical yearly household income $111,660 $82,936 $70,702 $80,734
Households that own their home 74% 69% 68% 65%
Typical yearly property tax $5,449 $3,335 $1,948 $3,119
Effective property tax rate 1.18% 1.2% 0.85% 0.94%
Renters with high rent for their income 32% 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 Olivette

For a typical $460,800 home in Olivette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Olivette's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,914a month

    Least cash to close
    Down payment
    $16,128
    Cash to close
    $29,952
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $3,830a month

    Down payment
    $23,040
    Cash to close
    $36,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $3,142a month

    Down payment
    $92,160
    Cash to close
    $105,984
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,568a month

    Down payment
    $69,120
    Cash to close
    $82,944
    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 Olivette and for St. Louis County.

Property tax

Effective rate in Olivette

1.18%of the home’s value each year

$5,449 a year for the typical owner in Olivette.

  • Olivette 1.18%
  • 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 Olivette

Typical rent in Olivette is $1,513 a month: 25% above the county. In Olivette, 32% 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 Olivette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Olivette is in ZIP code 63132.

For 2 bedrooms it is $1,640: $291 more than the fair market rent for St. Louis County ($1,349).

  • 63132 $1,640$2,100

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

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

  • Elmwood Park Redevelopment 9605 Primmgarden Ct, Olivette 63132 128 low-income homes · 2 bd: 64 · 3 bd: 59 · 4 bd: 5 · In service since 1997
  • Olivette 9330 Rothwell Heights Ln, Olivette 63132 14 low-income homes · Run by Housing Authority of the City of Olivette · Average payment: $526 a month · Homes at several sites (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 Olivette

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 man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Olivette

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

The HUD-approved agencies closest to the center of Olivette, 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 · 3 miles away

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

  • Better Family Life, Inc.

    5415 Page Blvd, Saint Louis · 6 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 367-3440

  • Beyond Housing

    6506 Wright Way, Saint Louis · 6 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 Olivette

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 Olivette

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

  • Housing Authority of the City of Olivette Public housing (314) 428-3200
  • Housing Authority of St. Louis County Public housing and Section 8 vouchers (314) 428-3200

3 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 Olivette, 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 Olivette.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Olivette

Short answers with the numbers for Olivette 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 Olivette?

The typical home value in Olivette is $460,800, 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 Olivette?

Typical rent in Olivette is $1,513 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 Olivette?

Olivette 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 Olivette?

The typical homeowner in Olivette pays $5,449 a year, according to the U.S. Census Bureau. That is 1.18% 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 Olivette?

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).