Español

Este sitio también está en español. Leer en español

City · 7,367 residents · St. Louis County, Missouri

Sappington , Missouri

In Sappington, a typical home is worth $297,600 and typical rent is $1,241 a month. Compared with all of St. Louis County, the typical home value is 8% higher, typical household income is 6% lower, and the share of households that own their home is 5 points higher.

WhatsApp

  • Typical home value

    $297,600

    8% above the county

    29% above Missouri

    • Sappington
    • St. Louis
    • Missouri

  • Typical rent

    $1,241a month

    3% above the county

    20% above Missouri

    • Sappington
    • St. Louis
    • Missouri

  • Typical household income

    $77,650a year

    6% below the county

    10% above Missouri

    • Sappington
    • St. Louis
    • Missouri

  • Households that own their home

    75%

    5 points above the county

    6 points above Missouri

    • Sappington
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$359,488
3.1% more than 12 months ago
Typical rent
$1,403 a month
6.6% more than 12 months ago

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

Sappington 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 Sappington apart

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

  1. Nearby, in Affton, the typical home value is $212,400: 29% less than in Sappington ($297,600).

  2. Nearby, in Crestwood, the typical rent is $1,007: 19% less than in Sappington ($1,241).

  3. 75% of households in Sappington own their home, against 69% in St. Louis County.

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

The homes here

Housing in Sappington

What homes there are in Sappington, 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

In Sappington, 6 in 10 homes are single-family detached houses; in St. Louis County, 7.

Year built

In Sappington, half of the homes were built before 1966; in St. Louis County, before 1969.

By size, homes in Sappington look like those in St. Louis County: 63% have 3 bedrooms or more.

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

$1,907 a month

St. Louis County: $1,753 a month

Without a mortgage

$625 a month

St. Louis County: $698 a month

Owners with a mortgage

60%

St. Louis County: 64%

In Sappington, 60% of owners have a mortgage, and their typical cost is $1,907 a month, against $1,753 in St. Louis County. Without one it drops to $625.

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 boundaries of Sappington changed since 2015–2019, so the Census does not compare its figures from then and now. In St. Louis County, the typical home value rose 39%.

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

MeasureSappingtonSt. 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 2.282.362.402.53
Drive alone 78%71%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 16%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in St. Louis County, a household in Sappington has 2.28 people on average.

To get to work, 78% of workers in Sappington drive alone; 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 Sappington?

A typical home costs more than the typical income allows

We start with a typical home in Sappington, worth $297,600, 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 Sappington, which is $77,650 a year. For that payment to be 28% of income, a household would need to earn about $107,484 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 Sappington. 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 $10,416 (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

$2,508

at 7.18% · 30 years

Loan amount
$292,210
Total interest
$420,421
Paid off in
November 2056

Includes $5,026 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,812 a month

  • Tight

    $1,812 to $2,330 a month

  • Hard

    more than $2,330 a month

    Your payment · 39%

Compared with the typical household income in Sappington ($77,650 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,508
Principal & interest$1,980
Property tax$273
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,416 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

Sappington and St. Louis County

Sappington 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).

Sappington's own numbers

Typical home value
$297,600
Typical monthly rent
$1,241
Typical yearly household income
$77,650
Households that own their home
75%
Effective property tax rate
1.1%

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 Sappington

A typical home in Sappington is worth $297,600: 8% above the county and 29% above Missouri. With the typical household income in Sappington ($77,650 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.

  • Sappington 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

Sappington 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
  • Sappington $297,600
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Sappington $1,241
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Sappington $77,650
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Sappington next to St. Louis County and Missouri
Measure Sappington St. Louis County Missouri U.S.
Typical home value $297,600 $276,800 $230,300 $332,700
Typical monthly rent $1,241 $1,209 $1,033 $1,413
Typical yearly household income $77,650 $82,936 $70,702 $80,734
Households that own their home 75% 69% 68% 65%
Typical yearly property tax $3,270 $3,335 $1,948 $3,119
Effective property tax rate 1.1% 1.2% 0.85% 0.94%
Renters with high rent for their income 49% 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 Sappington

For a typical $297,600 home in Sappington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sappington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,508a month

    Least cash to close
    Down payment
    $10,416
    Cash to close
    $19,344
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,453a month

    Down payment
    $14,880
    Cash to close
    $23,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,010a month

    Down payment
    $59,520
    Cash to close
    $68,448
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,285a month

    Down payment
    $44,640
    Cash to close
    $53,568
    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 Sappington and for St. Louis County.

Property tax

Effective rate in Sappington

1.1%of the home’s value each year

$3,270 a year for the typical owner in Sappington.

  • Sappington 1.1%
  • 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 Sappington

Typical rent in Sappington is $1,241 a month: 3% above the county. In Sappington, 49% 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 Sappington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sappington has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,350 in 63126 to $1,380 in 63128.

2 of the 2 are above the fair market rent for St. Louis County ($1,349).

  • 63126 $1,350$1,730
  • 63128 $1,380$1,770

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sappington 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 Sappington

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Sappington

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

The HUD-approved agencies closest to the center of Sappington, 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 · 5 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 · 8 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 · 11 miles away

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

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

Help in Spanish near Sappington

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 Sappington

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

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

Questions

Housing questions about Sappington

Short answers with the numbers for Sappington 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 Sappington?

The typical home value in Sappington is $297,600, 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 Sappington?

Typical rent in Sappington is $1,241 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 Sappington?

Sappington 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 Sappington?

The typical homeowner in Sappington pays $3,270 a year, according to the U.S. Census Bureau. That is 1.1% 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 Sappington?

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).