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City · 9,153 residents · St. Louis County, Missouri

Richmond Heights , Missouri

In Richmond Heights, a typical home is worth $358,700 and typical rent is $1,559 a month. Compared with all of St. Louis County, the typical home value is 30% higher, typical rent is 29% higher, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $358,700

    30% above the county

    56% above Missouri

    • Richmond Heights
    • St. Louis
    • Missouri

  • Typical rent

    $1,559a month

    29% above the county

    51% above Missouri

    • Richmond Heights
    • St. Louis
    • Missouri

  • Typical household income

    $94,460a year

    14% above the county

    34% above Missouri

    • Richmond Heights
    • St. Louis
    • Missouri

  • Households that own their home

    54%

    15 points below the county

    14 points below Missouri

    • Richmond Heights
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$390,240
2.5% more than 12 months ago
Typical rent
$1,704 a month
1.1% more than 12 months ago

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

Richmond 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 Richmond Heights apart

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

  1. Nearby, in Maplewood, the typical rent is $970: 38% less than in Richmond Heights ($1,559).

  2. Nearby, in Maplewood, the typical home value is $237,000: 34% less than in Richmond Heights ($358,700).

  3. 54% of households in Richmond Heights own their home, against 69% in St. Louis County.

  4. The typical home in Richmond Heights is worth $358,700, 30% more than in St. Louis County as a whole ($276,800).

  5. The typical rent in Richmond Heights is $1,559 a month, 29% more than in St. Louis County as a whole ($1,209).

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

The homes here

Housing in Richmond Heights

What homes there are in Richmond 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

The detached house is still the most common home in Richmond Heights, but it weighs less than in St. Louis County: 57% against 72%.

Year built

Homes in Richmond Heights are older: the typical year built is 1947; in St. Louis County, 1969.

Homes in Richmond Heights are smaller: 41% 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

$1,989 a month

St. Louis County: $1,753 a month

Without a mortgage

$831 a month

St. Louis County: $698 a month

Owners with a mortgage

70%

St. Louis County: 64%

In Richmond Heights, 70% of owners have a mortgage, and their typical cost is $1,989 a month, against $1,753 in St. Louis County. Without one it drops to $831.

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 Richmond Heights rose at about the same pace as in St. Louis County: 41% against 39%.

The typical rent in Richmond Heights rose 51% over the same time; in St. Louis County, it rose 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

MeasureRichmond 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 2.092.362.402.53
Drive alone 71%71%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 25%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Richmond Heights are smaller: 2.09 people on average; in St. Louis County, 2.36.

Many people here do not commute at all: 25% 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 Richmond Heights?

A typical home costs more than the typical income allows

We start with a typical home in Richmond Heights, worth $358,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Richmond Heights, which is $94,460 a year. For that payment to be 28% of income, a household would need to earn about $132,113 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 Richmond 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 $12,555 (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

$3,083

at 7.18% · 30 years

Loan amount
$352,203
Total interest
$506,737
Paid off in
November 2056

Includes $6,058 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,204 a month

  • Tight

    $2,204 to $2,834 a month

  • Hard

    more than $2,834 a month

    Your payment · 39%

Compared with the typical household income in Richmond Heights ($94,460 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,083
Principal & interest$2,386
Property tax$389
Home insurance$150
FHA mortgage insurance (MIP)$159

You need at least $12,555 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

Richmond Heights and St. Louis County

Richmond 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).

Richmond Heights's own numbers

Typical home value
$358,700
Typical monthly rent
$1,559
Typical yearly household income
$94,460
Households that own their home
54%
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 Richmond Heights

A typical home in Richmond Heights is worth $358,700: 30% above the county and 56% above Missouri. With the typical household income in Richmond Heights ($94,460 a year), a typical home costs 3.8 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.

  • Richmond Heights 3.8 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

Richmond 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
  • Richmond Heights $358,700
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Richmond Heights $1,559
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Richmond Heights $94,460
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Richmond Heights next to St. Louis County and Missouri
Measure Richmond Heights St. Louis County Missouri U.S.
Typical home value $358,700 $276,800 $230,300 $332,700
Typical monthly rent $1,559 $1,209 $1,033 $1,413
Typical yearly household income $94,460 $82,936 $70,702 $80,734
Households that own their home 54% 69% 68% 65%
Typical yearly property tax $4,660 $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 35% 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 Richmond Heights

For a typical $358,700 home in Richmond Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richmond Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,083a month

    Least cash to close
    Down payment
    $12,555
    Cash to close
    $23,316
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $3,017a month

    Down payment
    $17,935
    Cash to close
    $28,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,482a month

    Down payment
    $71,740
    Cash to close
    $82,501
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,814a month

    Down payment
    $53,805
    Cash to close
    $64,566
    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 Richmond Heights and for St. Louis County.

Property tax

Effective rate in Richmond Heights

1.3%of the home’s value each year

$4,660 a year for the typical owner in Richmond Heights.

  • Richmond 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 Richmond Heights

Typical rent in Richmond Heights is $1,559 a month: 29% above the county. In Richmond Heights, 35% 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 Richmond Heights

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richmond Heights is in ZIP code 63117.

For 2 bedrooms it is $1,540: $191 more than the fair market rent for St. Louis County ($1,349).

  • 63117 $1,540$1,980

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

HUD lists one building with rents for lower incomes in Richmond Heights.

  • 1634 Stockard Ave 1634 Stockard Ave, Richmond Heights 63117 1 low-income home · 4 bd: 1 · In service since 1994

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

Free help

Help to buy or rent in Richmond 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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Richmond Heights

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

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

  • NSC (naca Counseling Subsidiary) - ST. Louis, MO

    1300 Hampton Avenue suite 101, Saint Louis · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (314) 645-8333

  • Better Family Life, Inc.

    5415 Page Blvd, Saint Louis · 4 miles away

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

  • Urban League of Metropolitan Saint Louis, Inc.

    1408 N Kingshighway Blvd, Saint Louis · 4 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 6 more
    (314) 615-3600

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

Help in Spanish near Richmond Heights

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 Richmond Heights

HUD’s record names them for Richmond 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 Richmond 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 Richmond Heights.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Richmond Heights

Short answers with the numbers for Richmond 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 Richmond Heights?

The typical home value in Richmond Heights is $358,700, 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 Richmond Heights?

Typical rent in Richmond Heights is $1,559 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 Richmond Heights?

Richmond 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 Richmond Heights?

The typical homeowner in Richmond Heights pays $4,660 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 Richmond 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).