In St. Robert, a typical home is worth $225,300 and typical rent is $1,087 a month. Compared with all of Pulaski County, the typical home value is 19% higher.
Typical home value from Zillow, September 2021 to September 2026: from $185,572 to $239,586.
Typical rent
$1,206a month
▲ 11.1% more than 12 months ago
Typical rent from Zillow, June 2023 to September 2026: from $954 to $1,206.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Robert is in Pulaski 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 Pulaski County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lebanon, the typical home value is $158,800: 30% less than in St. Robert ($225,300).
2
Nearby, in Rolla, the typical rent is $789: 27% less than in St. Robert ($1,087).
3
The typical home in St. Robert is worth $225,300,19% more than in Pulaski County as a whole ($189,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Robert
What homes there are in St. Robert, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
St. Robert
Pulaski County
Missouri
United States
Kind of home: St. Robert and its comparisons
Measure
St. Robert
Pulaski County
Missouri
United States
Detached house
54%
64%
71%
61%
Attached house
Unreliable estimate
9%
4%
6%
Building of 2 to 4
12%
11%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
12%
10%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Robert, 5 in 10 homes are single-family detached houses; in Pulaski County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
St. Robert
Pulaski County
Missouri
United States
Year built: St. Robert and its comparisons
Measure
St. Robert
Pulaski County
Missouri
United States
Before 1960
Unreliable estimate
11%
27%
26%
1960–1979
12%
19%
25%
24%
1980–1999
32%
28%
25%
25%
2000–2009
25%
22%
13%
14%
2010 or later
29%
20%
10%
11%
Here half of the homes date from 2001 or later; in Pulaski County, from 1994 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K22%
$200K–$300K44%
$300K–$500K13%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Robert and its comparisons
Measure
St. Robert
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
44%
$300K–$500K
13%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49942%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Robert and its comparisons
Measure
St. Robert
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
42%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,484 a month
Pulaski County: $1,366 a month
Without a mortgage
$495 a month
Pulaski County: $451 a month
Owners with a mortgage
64%
Pulaski County: 59%
In St. Robert, 64% of owners have a mortgage, and their typical cost is $1,484 a month, against $1,366 in Pulaski County. Without one it drops to $495.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Robert+19%
Pulaski County+19%
Missouri+47%
United States+53%
Typical rent
St. RobertNo clear change
Pulaski County+12%
Missouri+25%
United States+33%
Typical household income
St. RobertNo clear change
Pulaski County+21%
Missouri+28%
United States+29%
Change since 2015–2019: St. Robert and its comparisons
Measure
St. Robert
Pulaski County
Missouri
United States
Typical home value
+19%
+19%
+47%
+53%
Typical rent
No clear change
+12%
+25%
+33%
Typical household income
No clear change
+21%
+28%
+29%
From 2015–2019 to 2020–2024, home values in St. Robert rose at about the same pace as in Pulaski County: 19% against 19%.
Rent in St. Robert moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Robert and its comparisons
Measure
St. Robert
Pulaski County
Missouri
United States
Rental vacancy
Unreliable estimate
10.8%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.7%
3.4%
People per household
2.11
2.61
2.40
2.53
Drive alone
81%
62%
75%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
13%
2%
3%
Work from home
Unreliable estimate
16%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.11 on average, against 2.61 in Pulaski County.
The car rules in St. Robert: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in St. Robert?
A typical home is tight for the typical income
We start with a typical home in St. Robert, worth $225,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in St. Robert, which is $62,641 a year. For that payment to be 28% of income, a household would need to earn about $77,429 a year.
The calculator's FHA and conventional loan limits are those of all of Pulaski County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in St. Robert. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,886 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,807
at 7.18% · 30 years
Loan amount
$221,219
Total interest
$318,282
Paid off in
November 2056
Includes $3,805 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,462 a month
Tight
$1,462 to $1,879 a month
Your payment · 35%
Hard
more than $1,879 a month
Compared with the typical household income in St. Robert ($62,641 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,499
Property tax
$115
Home insurance
$94
FHA mortgage insurance (MIP)
$100
You need at least $7,886 for the down payment, plus closing costs.
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.
Total monthly payment $1,807; principal and interest $1,499.
The city and its county
St. Robert and Pulaski County
St. Robert is in Pulaski 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).
St. Robert
Map of Pulaski County, Missouri, with St. Robert marked. Around it, the neighboring counties.
St. Robert
Pulaski County
Other cities with a page
St. Robert's own numbers
Typical home value
$225,300
Typical monthly rent
$1,087
Typical yearly household income
$62,641
Households that own their home
63%
Effective property tax rate
0.61%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pulaski County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,175
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.6%
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 Pulaski County.
A typical home in St. Robert is worth $225,300: 19% above the county and 2% below Missouri. With the typical household income in St. Robert ($62,641 a year), a typical home costs 3.6 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.
St. Robert3.6 years
Pulaski2.9 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pulaski County
According to FHFA’s house price index, home prices in Pulaski County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pulaski County.
Yearly change in FHFA’s price index in Pulaski County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: −2.5% −2.5% 2017
2018: +3.8% +3.8% 2018
2019: +2.3% +2.3% 2019
2020: +3.6% +3.6% 2020
2021: +11.9% +11.9% 2021
2022: +9.3% +9.3% 2022
2023: +13.2% +13.2% 2023
2024: −0.7% −0.7% 2024
2025: +12.2% +12.2% 2025
Change in FHFA’s price index in Pulaski County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+12.2%
+3.7%
+2.9%
5 years (2020–2025)
+54%
+51%
+47%
10 years (2015–2025)
+69%
+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
St. Robert next to Pulaski 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
St. Robert$225,300
Pulaski$189,800
Missouri$230,300
United States$332,700
Typical monthly rent
St. Robert$1,087
Pulaski$1,112
Missouri$1,033
United States$1,413
Typical yearly household income
St. Robert$62,641
Pulaski$64,466
Missouri$70,702
United States$80,734
See the full table
St. Robert next to Pulaski County and Missouri
Measure
St. Robert
Pulaski County
Missouri
U.S.
Typical home value
$225,300 ▲19% above the county
$189,800
$230,300
$332,700
Typical monthly rent
$1,087 ▼2% below the county
$1,112
$1,033
$1,413
Typical yearly household income
$62,641 ▼3% below the county
$64,466
$70,702
$80,734
Households that own their home
63% ▲2 points above the county
61%
68%
65%
Typical yearly property tax
$1,384 ▲19% above the county
$1,159
$1,948
$3,119
Effective property tax rate
0.61%
0.61%
0.85%
0.94%
Renters with high rent for their income
42% ▲7 points above the county
34%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pulaski 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 St. Robert
For a typical $225,300 home in St. Robert, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Robert's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,807a month
Least cash to close
Down payment
$7,886
Cash to close
$14,645
Rate
7.18%
Mortgage insurance
FHA MIP · $100
Conventional, 5% down$1,765a month
Down payment
$11,265
Cash to close
$18,024
Rate
7.18%
Mortgage insurance
PMI · $107
Conventional, 20% down, no PMI$1,429a month
Down payment
$45,060
Cash to close
$51,819
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,638a month
Down payment
$33,795
Cash to close
$40,554
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Robert
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,807
$7,886
$221,219
7.18%
FHA MIP · $100
$14,645
580
Conventional, 5% down
$1,765
$11,265
$214,035
7.18%
PMI · $107
$18,024
620*
Conventional, 20% down, no PMI
$1,429
$45,060
$180,240
7.18%
None
$51,819
620*
ITIN, 15% down (example)
$1,638
$33,795
$191,505
8.18%
None
$40,554
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for St. Robert and for Pulaski County.
Property tax
Effective rate in St. Robert
0.61%of the home’s value each year
$1,384 a year for the typical owner in St. Robert.
St. Robert0.61%
Pulaski0.61%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in St. Robert is $1,087 a month: 2% below the county. In St. Robert, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pulaski County, by unit size. To pay the 2-bedroom one ($1,175 a month) without spending more than 30% of your income, you would need to earn $22.60 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Pulaski County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$866
$16.65
$34,640
1 bedroom
$898
$17.27
$35,920
2 bedrooms
$1,175
$22.60
$47,000
3 bedrooms
$1,627
$31.29
$65,080
4 bedrooms
$1,868
$35.92
$74,720
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 St. Robert
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Robert is in ZIP code 65584.
For 2 bedrooms it is $1,130: $45 less than the fair market rent for Pulaski County ($1,175).
Fair market rent by ZIP code and size in St. Robert, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
65584
$830
$860
$1,130
$1,560
$1,800
ZIP code2 bd3 bd
65584 $1,130$1,560
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Robert 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Pulaski County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for St. Robert or Pulaski County. The ones below are statewide in Missouri: they work in St. Robert the same as in the rest of the state.
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).
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).
No legal help resource on our list is for St. Robert or Pulaski County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for St. Robert and all of Pulaski 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 St. Robert?
The typical home value in St. Robert is $225,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pulaski County it is $189,800.
How much does it cost to rent in St. Robert?
Typical rent in St. Robert is $1,087 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pulaski County is $1,175.
What is the FHA loan limit in St. Robert?
St. Robert uses the FHA limit for all of Pulaski 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 St. Robert?
The typical homeowner in St. Robert pays $1,384 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Pulaski County, the rate is 0.61%.
Where can I find free help to buy or rent in St. Robert?
We found no HUD-approved counseling agencies with an office in Pulaski County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
