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City · 17,873 residents · St. Louis County, Missouri

Spanish Lake , Missouri

In Spanish Lake, a typical home is worth $135,600 and typical rent is $1,160 a month. Compared with all of St. Louis County, the typical home value is 51% lower, typical household income is 33% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $135,600

    51% below the county

    41% below Missouri

    • Spanish Lake
    • St. Louis
    • Missouri

  • Typical rent

    $1,160a month

    4% below the county

    12% above Missouri

    • Spanish Lake
    • St. Louis
    • Missouri

  • Typical household income

    $55,920a year

    33% below the county

    21% below Missouri

    • Spanish Lake
    • St. Louis
    • Missouri

  • Households that own their home

    49%

    20 points below the county

    19 points below Missouri

    • Spanish Lake
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$148,855
2.8% more than 12 months ago
Typical rent
$1,249 a month
2.9% more than 12 months ago

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

Spanish Lake 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 Spanish Lake apart

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

  1. Nearby, in Jennings, the typical home value is $68,800: 49% less than in Spanish Lake ($135,600).

  2. The typical home in Spanish Lake is worth $135,600, 51% less than in St. Louis County as a whole ($276,800).

  3. 49% of households in Spanish Lake own their home, against 69% in St. Louis County.

  4. The typical household income in Spanish Lake is $55,920, 33% less than in St. Louis County as a whole ($82,936).

  5. Nearby, in Jennings, the typical rent is $961: 17% less than in Spanish Lake ($1,160).

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

The homes here

Housing in Spanish Lake

What homes there are in Spanish Lake, 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 Spanish Lake, but it weighs less than in St. Louis County: 64% against 72%.

Year built

By age, homes in Spanish Lake look like those in St. Louis County: the typical year built is 1969.

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

By rent, most homes in Spanish Lake cost less than HUD's 2-bedroom fair market rent ($1,349): about 69%.

With a mortgage

$1,349 a month

St. Louis County: $1,753 a month

Without a mortgage

$636 a month

St. Louis County: $698 a month

Owners with a mortgage

65%

St. Louis County: 64%

The typical cost for an owner with a mortgage in Spanish Lake is $1,349 a month, less than in St. Louis County ($1,753); without one, $636.

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 Spanish Lake rose at about the same pace as in St. Louis County: 37% against 39%.

Rents in Spanish Lake rose faster than in St. Louis County: 42% since 2015–2019, against 23%.

The typical household income in Spanish Lake rose 51%: more than home values (+37%) and rent (+42%).

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

MeasureSpanish LakeSt. 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 2.452.362.402.53
Drive alone 75%71%75%69%
Carpool 11%6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 10%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Spanish Lake look like those in St. Louis County: 2.45 people on average.

In Spanish Lake, 11% of workers share a car to get to work; in St. Louis County, 6%.

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 Spanish Lake?

A typical home is within reach of the typical income

We start with a typical home in Spanish Lake, worth $135,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Spanish Lake, which is $55,920 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 Spanish Lake. 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 $4,746 (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

$1,211

at 7.18% · 30 years

Loan amount
$133,144
Total interest
$191,563
Paid off in
November 2056

Includes $2,290 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,305 a month

    Your payment · 26%

  • Tight

    $1,305 to $1,678 a month

  • Hard

    more than $1,678 a month

Compared with the typical household income in Spanish Lake ($55,920 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,211
Principal & interest$902
Property tax$192
Home insurance$57
FHA mortgage insurance (MIP)$60

You need at least $4,746 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

Spanish Lake and St. Louis County

Spanish Lake 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).

Spanish Lake's own numbers

Typical home value
$135,600
Typical monthly rent
$1,160
Typical yearly household income
$55,920
Households that own their home
49%
Effective property tax rate
1.7%

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 Spanish Lake

A typical home in Spanish Lake is worth $135,600: 51% below the county and 41% below Missouri. With the typical household income in Spanish Lake ($55,920 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.

  • Spanish Lake 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

Spanish Lake 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
  • Spanish Lake $135,600
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Spanish Lake $1,160
  • St. Louis $1,209
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Spanish Lake $55,920
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Spanish Lake next to St. Louis County and Missouri
Measure Spanish Lake St. Louis County Missouri U.S.
Typical home value $135,600 $276,800 $230,300 $332,700
Typical monthly rent $1,160 $1,209 $1,033 $1,413
Typical yearly household income $55,920 $82,936 $70,702 $80,734
Households that own their home 49% 69% 68% 65%
Typical yearly property tax $2,310 $3,335 $1,948 $3,119
Effective property tax rate 1.7% 1.2% 0.85% 0.94%
Renters with high rent for their income 59% 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 Spanish Lake

For a typical $135,600 home in Spanish Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spanish Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,211a month

    Least cash to close
    Down payment
    $4,746
    Cash to close
    $8,814
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $60

  • Conventional, 5% down $1,186a month

    Down payment
    $6,780
    Cash to close
    $10,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $64

  • Conventional, 20% down, no PMI $983a month

    Down payment
    $27,120
    Cash to close
    $31,188
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,109a month

    Down payment
    $20,340
    Cash to close
    $24,408
    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 Spanish Lake and for St. Louis County.

Property tax

Effective rate in Spanish Lake

1.7%of the home’s value each year

$2,310 a year for the typical owner in Spanish Lake.

  • Spanish Lake 1.7%
  • 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 Spanish Lake

Typical rent in Spanish Lake is $1,160 a month: 4% below the county. In Spanish Lake, 59% 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 Spanish Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spanish Lake is in ZIP code 63138.

For 2 bedrooms it is $1,370: $21 more than the fair market rent for St. Louis County ($1,349).

  • 63138 $1,370$1,760

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

HUD lists one building with rents for lower incomes in Spanish Lake.

  • Gateway Accessible Housing 1599 Gene Crayton Ave, Spanish Lake 63138 40 low-income homes · For older adults (314) 609-2384

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

Free help

Help to buy or rent in Spanish Lake

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Spanish Lake

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

The HUD-approved agencies closest to the center of Spanish Lake, 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 · 3 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 · 5 miles away

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

  • Beyond Housing

    6506 Wright Way, Saint Louis · 7 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 Spanish Lake

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 Spanish Lake

HUD’s record names them for Spanish Lake 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 Spanish Lake, 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 Spanish Lake.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Spanish Lake

Short answers with the numbers for Spanish Lake 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 Spanish Lake?

The typical home value in Spanish Lake is $135,600, 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 Spanish Lake?

Typical rent in Spanish Lake is $1,160 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 Spanish Lake?

Spanish Lake 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 Spanish Lake?

The typical homeowner in Spanish Lake pays $2,310 a year, according to the U.S. Census Bureau. That is 1.7% 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 Spanish Lake?

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).