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City · 5,010 residents · Ste. Genevieve County, Missouri

Ste. Genevieve , Missouri

In Ste. Genevieve, a typical home is worth $172,400 and typical rent is $771 a month. Compared with all of Ste. Genevieve County, typical household income is 27% lower, the typical home value is 22% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $172,400

    22% below the county

    25% below Missouri

    • Ste. Genevieve
    • County
    • Missouri

  • Typical rent

    $771a month

    About the same as the county

    25% below Missouri

    • Ste. Genevieve
    • County
    • Missouri

  • Typical household income

    $48,097a year

    27% below the county

    32% below Missouri

    • Ste. Genevieve
    • County
    • Missouri

  • Households that own their home

    64%

    19 points below the county

    4 points below Missouri

    • Ste. Genevieve
    • County
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$254,580
9.5% more than 12 months ago

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

Ste. Genevieve is in Ste. Genevieve 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 Ste. Genevieve County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ste. Genevieve apart

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

  1. 64% of households in Ste. Genevieve own their home, against 83% in Ste. Genevieve County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Ste. Genevieve rose 9.5%; in Missouri, it rose 3.4%.

  3. Nearby, in Park Hills, the typical home value is $131,300: 24% less than in Ste. Genevieve ($172,400).

  4. The typical household income in Ste. Genevieve is $48,097, 27% less than in Ste. Genevieve County as a whole ($66,339).

  5. The typical home in Ste. Genevieve is worth $172,400, 22% less than in Ste. Genevieve County as a whole ($222,200).

  6. Nearby, in Bonne Terre, the typical rent is $641: 17% less than in Ste. Genevieve ($771).

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

The homes here

Housing in Ste. Genevieve

What homes there are in Ste. Genevieve, 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 Ste. Genevieve, 7 in 10 homes are single-family detached houses; in Ste. Genevieve County, 8.

Year built

Homes in Ste. Genevieve are older: the typical year built is 1970; in Ste. Genevieve County, 1981.

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

$1,124 a month

Ste. Genevieve County: $1,256 a month

Without a mortgage

$388 a month

Ste. Genevieve County: $443 a month

Owners with a mortgage

36%

Ste. Genevieve County: 54%

In Ste. Genevieve, 36% of owners have a mortgage, and their typical cost is $1,124 a month, against $1,256 in Ste. Genevieve County. Without one it drops to $388.

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, the typical home value in Ste. Genevieve rose 42%; in Ste. Genevieve County, it rose 34%.

Rent in Ste. Genevieve 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

MeasureSte. GenevieveSte. Genevieve CountyMissouriUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.242.532.402.53
Drive alone 82%86%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate7%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ste. Genevieve has 2.24 people, fewer than in Ste. Genevieve County (2.53).

To get to work, 82% of workers in Ste. Genevieve drive alone; in Ste. Genevieve County, 86%.

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 Ste. Genevieve?

A typical home is tight for the typical income

We start with a typical home in Ste. Genevieve, worth $172,400, 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 Ste. Genevieve, which is $48,097 a year. For that payment to be 28% of income, a household would need to earn about $60,603 a year.

The calculator's FHA and conventional loan limits are those of all of Ste. Genevieve County.

Your numbers

Local data
$

Starts at the typical home value in Ste. Genevieve. 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 $6,034 (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

$1,414

at 7.18% · 30 years

Loan amount
$169,277
Total interest
$243,550
Paid off in
November 2056

Includes $2,911 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,122 a month

  • Tight

    $1,122 to $1,443 a month

    Your payment · 35%

  • Hard

    more than $1,443 a month

Compared with the typical household income in Ste. Genevieve ($48,097 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,414
Principal & interest$1,147
Property tax$119
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,034 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

Ste. Genevieve and Ste. Genevieve County

Ste. Genevieve is in Ste. Genevieve 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).

Ste. Genevieve's own numbers

Typical home value
$172,400
Typical monthly rent
$771
Typical yearly household income
$48,097
Households that own their home
64%
Effective property tax rate
0.83%

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

Numbers for all of Ste. Genevieve County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$974
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
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 Ste. Genevieve County.

Everything about Ste. Genevieve County

Buying

Buying a home in Ste. Genevieve

A typical home in Ste. Genevieve is worth $172,400: 22% below the county and 25% below Missouri. With the typical household income in Ste. Genevieve ($48,097 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.

  • Ste. Genevieve 3.6 years
  • County 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 Ste. Genevieve County

According to FHFA’s house price index, home prices in Ste. Genevieve County rose 88% in the 10 years through 2025.

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

Period County Missouri U.S.
Last year (2025) +6.6% +3.7% +2.9%
5 years (2020–2025) +59% +51% +47%
10 years (2015–2025) +88% +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

Ste. Genevieve next to Ste. Genevieve 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
  • Ste. Genevieve $172,400
  • County $222,200
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Ste. Genevieve $771
  • County $780
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Ste. Genevieve $48,097
  • County $66,339
  • Missouri $70,702
  • United States $80,734
See the full table
Ste. Genevieve next to Ste. Genevieve County and Missouri
Measure Ste. Genevieve Ste. Genevieve County Missouri U.S.
Typical home value $172,400 $222,200 $230,300 $332,700
Typical monthly rent $771 $780 $1,033 $1,413
Typical yearly household income $48,097 $66,339 $70,702 $80,734
Households that own their home 64% 83% 68% 65%
Typical yearly property tax $1,435 $1,395 $1,948 $3,119
Effective property tax rate 0.83% 0.63% 0.85% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ste. Genevieve 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 Ste. Genevieve

For a typical $172,400 home in Ste. Genevieve, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ste. Genevieve's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,414a month

    Least cash to close
    Down payment
    $6,034
    Cash to close
    $11,206
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,382a month

    Down payment
    $8,620
    Cash to close
    $13,792
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,125a month

    Down payment
    $34,480
    Cash to close
    $39,652
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,285a month

    Down payment
    $25,860
    Cash to close
    $31,032
    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 Ste. Genevieve and for Ste. Genevieve County.

Property tax

Effective rate in Ste. Genevieve

0.83%of the home’s value each year

$1,435 a year for the typical owner in Ste. Genevieve.

  • Ste. Genevieve 0.83%
  • County 0.63%
  • 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 Ste. Genevieve County

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

Homes in the high-risk zone
2%
195
Of those, with NFIP insurance
12%
County Missouri U.S.
Homes in the high-risk zone 2% 1.6% 3.5%
Of those, with NFIP insurance 12% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ste. Genevieve

Typical rent in Ste. Genevieve is $771 a month: about the same as the county.

HUD publishes a fair market rent for all of Ste. Genevieve County, by unit size. To pay the 2-bedroom one ($974 a month) without spending more than 30% of your income, you would need to earn $18.73 an hour working full time.

HUD fair market rent for all of Ste. Genevieve 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 $717 $13.79 $28,680
1 bedroom $840 $16.15 $33,600
2 bedrooms $974 $18.73 $38,960
3 bedrooms $1,161 $22.33 $46,440
4 bedrooms $1,628 $31.31 $65,120

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 Ste. Genevieve

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ste. Genevieve is in ZIP code 63670.

For 2 bedrooms it is $970: $4 less than the fair market rent for Ste. Genevieve County ($974).

  • 63670 $970$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 Ste. Genevieve 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 Ste. Genevieve

HUD lists 3 buildings with rents for lower incomes in Ste. Genevieve. These are the largest.

  • Ste.genevieve 2 Robinwood Dr, Ste Genevieve 63670 30 low-income homes · Run by Housing Authority of the City of Sainte Genevieve · Average payment: $432 a month · Average wait: 2 months (573) 883-2160
  • Windcrest Village Apts 107 Basler Dr, Ste Genevieve 63670 26 homes
  • Ste Gen Manor II 781 Parkwood Dr, Ste Genevieve 63670 4 homes

See all 6 buildings in Ste. Genevieve County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ste. Genevieve

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 Ste. Genevieve County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Ste. Genevieve

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

The HUD-approved agencies closest to the center of Ste. Genevieve, 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 · 41 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (314) 631-9905

  • Housing Options Provided for the Elderly (H.O.P.E)

    1120 S 6th St, Saint Louis · 45 miles away

    • Reverse mortgage counseling
    (844) 432-6467

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

    1300 Hampton Avenue suite 101, Saint Louis · 47 miles away · Spanish

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

All counseling agencies in Missouri

Help in Spanish near Ste. Genevieve

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 Ste. Genevieve

In HUD’s record, no housing authority with an office in Ste. Genevieve County is named for Ste. Genevieve or Ste. Genevieve County.

One other authority has an office in Ste. Genevieve County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Ste. Genevieve, with the typical home value.

Everything about Ste. Genevieve County Housing in Missouri

Neighboring counties

If Ste. Genevieve 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 Ste. Genevieve.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Ste. Genevieve

Short answers with the numbers for Ste. Genevieve and all of Ste. Genevieve 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 Ste. Genevieve?

The typical home value in Ste. Genevieve is $172,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ste. Genevieve County it is $222,200.

How much does it cost to rent in Ste. Genevieve?

Typical rent in Ste. Genevieve is $771 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ste. Genevieve County is $974.

What is the FHA loan limit in Ste. Genevieve?

Ste. Genevieve uses the FHA limit for all of Ste. Genevieve 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 Ste. Genevieve?

The typical homeowner in Ste. Genevieve pays $1,435 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Ste. Genevieve County, the rate is 0.63%.

Where can I find free help to buy or rent in Ste. Genevieve?

We found no HUD-approved counseling agencies with an office in Ste. Genevieve 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).