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City · 8,678 residents · St. Francois County, Missouri

Park Hills , Missouri

In Park Hills, a typical home is worth $131,300 and typical rent is $790 a month. Compared with all of St. Francois County, the typical home value is 22% lower, typical household income is 9% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $131,300

    22% below the county

    43% below Missouri

    • Park Hills
    • St. Francois
    • Missouri

  • Typical rent

    $790a month

    About the same as the county

    24% below Missouri

    • Park Hills
    • St. Francois
    • Missouri

  • Typical household income

    $52,563a year

    9% below the county

    26% below Missouri

    • Park Hills
    • St. Francois
    • Missouri

  • Households that own their home

    56%

    12 points below the county

    12 points below Missouri

    • Park Hills
    • St. Francois
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$154,627
about the same as 12 months ago

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

Park Hills is in St. Francois 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. Francois County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Park Hills apart

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

  1. Nearby, in Bonne Terre, the typical rent is $641: 19% less than in Park Hills ($790).

  2. The typical home in Park Hills is worth $131,300, 22% less than in St. Francois County as a whole ($169,300).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Park Hills barely changed; in Missouri, it rose 3.4%.

  4. 56% of households in Park Hills own their home, against 68% in St. Francois County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Park Hills

What homes there are in Park Hills, 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 still the most common home in Park Hills, but it weighs less than in St. Francois County: 62% against 68%.

Year built

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

$1,033 a month

St. Francois County: $1,197 a month

Without a mortgage

$387 a month

St. Francois County: $417 a month

Owners with a mortgage

70%

St. Francois County: 61%

In Park Hills, 70% of owners have a mortgage, and their typical cost is $1,033 a month, against $1,197 in St. Francois County. Without one it drops to $387.

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 Park Hills rose 79% since 2015–2019, more than in St. Francois County (40%).

Rent in Park Hills moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasurePark HillsSt. Francois CountyMissouriUnited States
Rental vacancy Unreliable estimate5.2%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.0%1.7%3.4%
People per household 2.322.482.402.53
Drive alone 76%80%75%69%
Carpool 13%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate8%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.32 on average, against 2.48 in St. Francois County.

More people carpool to work in Park Hills than in St. Francois County: 13% against 9%.

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 Park Hills?

A typical home is within reach of the typical income

We start with a typical home in Park Hills, worth $131,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Park Hills, which is $52,563 a year.

The calculator's FHA and conventional loan limits are those of all of St. Francois County.

Your numbers

Local data
$

Starts at the typical home value in Park Hills. 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 $4,596 (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

$1,066

at 7.18% · 30 years

Loan amount
$128,921
Total interest
$185,488
Paid off in
November 2056

Includes $2,217 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,226 a month

    Your payment · 24%

  • Tight

    $1,226 to $1,577 a month

  • Hard

    more than $1,577 a month

Compared with the typical household income in Park Hills ($52,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,066
Principal & interest$873
Property tax$80
Home insurance$55
FHA mortgage insurance (MIP)$58

You need at least $4,596 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

Park Hills and St. Francois County

Park Hills is in St. Francois 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).

Park Hills's own numbers

Typical home value
$131,300
Typical monthly rent
$790
Typical yearly household income
$52,563
Households that own their home
56%
Effective property tax rate
0.73%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Francois County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$988
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
1.2%

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. Francois County.

Everything about St. Francois County

Buying

Buying a home in Park Hills

A typical home in Park Hills is worth $131,300: 22% below the county and 43% below Missouri. With the typical household income in Park Hills ($52,563 a year), a typical home costs 2.5 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.

  • Park Hills 2.5 years
  • St. Francois 2.9 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Francois County

According to FHFA’s house price index, home prices in St. Francois County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Francois County.

Period County Missouri U.S.
Last year (2025) +3.7% +3.7% +2.9%
5 years (2020–2025) +48% +51% +47%
10 years (2015–2025) +80% +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

Park Hills next to St. Francois 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
  • Park Hills $131,300
  • St. Francois $169,300
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Park Hills $790
  • St. Francois $794
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Park Hills $52,563
  • St. Francois $57,477
  • Missouri $70,702
  • United States $80,734
See the full table
Park Hills next to St. Francois County and Missouri
Measure Park Hills St. Francois County Missouri U.S.
Typical home value $131,300 $169,300 $230,300 $332,700
Typical monthly rent $790 $794 $1,033 $1,413
Typical yearly household income $52,563 $57,477 $70,702 $80,734
Households that own their home 56% 68% 68% 65%
Typical yearly property tax $959 $1,188 $1,948 $3,119
Effective property tax rate 0.73% 0.7% 0.85% 0.94%
Renters with high rent for their income 34% 40% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Francois 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 Park Hills

For a typical $131,300 home in Park Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Park Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,066a month

    Least cash to close
    Down payment
    $4,596
    Cash to close
    $8,535
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $58

  • Conventional, 5% down $1,042a month

    Down payment
    $6,565
    Cash to close
    $10,504
    Rate
    7.18%
    Mortgage insurance
    PMI · $62

  • Conventional, 20% down, no PMI $846a month

    Down payment
    $26,260
    Cash to close
    $30,199
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $968a month

    Down payment
    $19,695
    Cash to close
    $23,634
    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 Park Hills and for St. Francois County.

Property tax

Effective rate in Park Hills

0.73%of the home’s value each year

$959 a year for the typical owner in Park Hills.

  • Park Hills 0.73%
  • St. Francois 0.7%
  • 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. Francois County

FEMA does not publish these numbers by city: they are for all of St. Francois County.

Homes in the high-risk zone
1.2%
301
Of those, with NFIP insurance
11%
County Missouri U.S.
Homes in the high-risk zone 1.2% 1.6% 3.5%
Of those, with NFIP insurance 11% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Park Hills

Typical rent in Park Hills is $790 a month: about the same as the county. In Park Hills, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Francois County, by unit size. To pay the 2-bedroom one ($988 a month) without spending more than 30% of your income, you would need to earn $19.00 an hour working full time.

HUD fair market rent for all of St. Francois 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 $750 $14.42 $30,000
1 bedroom $755 $14.52 $30,200
2 bedrooms $988 $19.00 $39,520
3 bedrooms $1,195 $22.98 $47,800
4 bedrooms $1,298 $24.96 $51,920

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 Park Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Park Hills is in ZIP code 63601.

For 2 bedrooms it is $960: $28 less than the fair market rent for St. Francois County ($988).

  • 63601 $960$1,160

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

HUD lists 3 buildings with rents for lower incomes in Park Hills. These are the largest.

  • Flat River I Apts 900 Taylor Ave, Park Hills 63601 50 low-income homes · 1 bd: 24 · 2 bd: 16 · 3 bd: 10 · In service since 2006 · For families (573) 747-0040
  • Eugene Field Apts 403 Glendale St, Park Hills 63601 30 low-income homes · 1 bd: 24 · 2 bd: 6 · In service since 2005 · For older adults, people with disabilities
  • Village Gardens 302 Edgewood St, Park Hills 63601 24 low-income homes · For older adults (573) 431-2042

See all 19 buildings in St. Francois County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Park Hills

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.

We found no HUD-approved agencies with an office in St. Francois County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Park Hills

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

The HUD-approved agencies closest to the center of Park Hills, 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 · 51 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 · 57 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 · 58 miles away

    • Reverse mortgage counseling
    (844) 432-6467

All counseling agencies in Missouri

Help in Spanish near Park Hills

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 Park Hills

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

  • ST. Francois County Public Housing Agency Section 8 vouchers (573) 431-5391

All housing agencies in Missouri Source: HUD

Cities

Other cities in St. Francois County

These cities are also in St. Francois County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Francois County Housing in Missouri

Nearby cities

The cities closest to Park Hills, with the typical home value.

Neighboring counties

If St. Francois 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 Park Hills.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Park Hills

Short answers with the numbers for Park Hills and all of St. Francois 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 Park Hills?

The typical home value in Park Hills is $131,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Francois County it is $169,300.

How much does it cost to rent in Park Hills?

Typical rent in Park Hills is $790 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Francois County is $988.

What is the FHA loan limit in Park Hills?

Park Hills uses the FHA limit for all of St. Francois 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 Park Hills?

The typical homeowner in Park Hills pays $959 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in St. Francois County, the rate is 0.7%.

Where can I find free help to buy or rent in Park Hills?

We found no HUD-approved counseling agencies with an office in St. Francois County; the nearest ones are on this page. 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).