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City · 9,112 residents · St. Louis County, Missouri

Sunset Hills , Missouri

In Sunset Hills, a typical home is worth $523,800. Compared with all of St. Louis County, the typical home value is 89% higher, typical household income is 67% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $523,800

    89% above the county

    127% above Missouri

    • Sunset Hills
    • St. Louis
    • Missouri

  • Typical household income

    $138,144a year

    67% above the county

    95% above Missouri

    • Sunset Hills
    • St. Louis
    • Missouri

  • Households that own their home

    83%

    14 points above the county

    15 points above Missouri

    • Sunset Hills
    • St. Louis
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$623,607
5.1% more than 12 months ago

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

Sunset Hills 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 Sunset Hills apart

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

  1. Sunset Hills has the largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people: 81%.

  2. The typical home in Sunset Hills is worth $523,800, 89% more than in St. Louis County as a whole ($276,800).

  3. The typical household income in Sunset Hills is $138,144, 67% more than in St. Louis County as a whole ($82,936).

  4. Nearby, in Sappington, the typical home value is $297,600: 43% less than in Sunset Hills ($523,800).

  5. 83% of households in Sunset Hills own their home, against 69% in St. Louis County.

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

The homes here

Housing in Sunset Hills

What homes there are in Sunset Hills, 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 houses, standing on their own, make up 83% of homes here, against 72% in St. Louis County.

Year built

The typical home in Sunset Hills was built in 1979, 10 years after the typical one in St. Louis County.

Homes in Sunset Hills are bigger: 78% 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

$2,680 a month

St. Louis County: $1,753 a month

Without a mortgage

$930 a month

St. Louis County: $698 a month

Owners with a mortgage

58%

St. Louis County: 64%

The typical cost for an owner with a mortgage in Sunset Hills is $2,680 a month, more than in St. Louis County ($1,753); without one, $930.

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 Sunset Hills rose 34%; in St. Louis County, it 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

MeasureSunset HillsSt. 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 2.382.362.402.53
Drive alone 76%71%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Sunset Hills has 2.38 people on average, about the same as in St. Louis County (2.36).

To get to work, 76% of workers in Sunset Hills 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 Sunset Hills?

A typical home costs more than the typical income allows

We start with a typical home in Sunset Hills, worth $523,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Sunset Hills, which is $138,144 a year. For that payment to be 28% of income, a household would need to earn about $186,561 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 Sunset Hills. 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 $18,333 (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

$4,353

at 7.18% · 30 years

Loan amount
$514,313
Total interest
$739,975
Paid off in
November 2056

Includes $8,846 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,223 a month

  • Tight

    $3,223 to $4,144 a month

  • Hard

    more than $4,144 a month

    Your payment · 38%

Compared with the typical household income in Sunset Hills ($138,144 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,353
Principal & interest$3,484
Property tax$419
Home insurance$218
FHA mortgage insurance (MIP)$232

You need at least $18,333 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

Sunset Hills and St. Louis County

Sunset Hills 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).

Sunset Hills's own numbers

Typical home value
$523,800
Typical yearly household income
$138,144
Households that own their home
83%
Effective property tax rate
0.96%

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 Sunset Hills

A typical home in Sunset Hills is worth $523,800: 89% above the county and 127% above Missouri. With the typical household income in Sunset Hills ($138,144 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.

  • Sunset Hills 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

Sunset Hills 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
  • Sunset Hills $523,800
  • St. Louis $276,800
  • Missouri $230,300
  • United States $332,700
Typical yearly household income
  • Sunset Hills $138,144
  • St. Louis $82,936
  • Missouri $70,702
  • United States $80,734
See the full table
Sunset Hills next to St. Louis County and Missouri
Measure Sunset Hills St. Louis County Missouri U.S.
Typical home value $523,800 $276,800 $230,300 $332,700
Typical yearly household income $138,144 $82,936 $70,702 $80,734
Households that own their home 83% 69% 68% 65%
Typical yearly property tax $5,031 $3,335 $1,948 $3,119
Effective property tax rate 0.96% 1.2% 0.85% 0.94%
Renters with high rent for their income 81% 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 Sunset Hills

For a typical $523,800 home in Sunset Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sunset Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,353a month

    Least cash to close
    Down payment
    $18,333
    Cash to close
    $34,047
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $232

  • Conventional, 5% down $4,257a month

    Down payment
    $26,190
    Cash to close
    $41,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $249

  • Conventional, 20% down, no PMI $3,476a month

    Down payment
    $104,760
    Cash to close
    $120,474
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,960a month

    Down payment
    $78,570
    Cash to close
    $94,284
    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 Sunset Hills and for St. Louis County.

Property tax

Effective rate in Sunset Hills

0.96%of the home’s value each year

$5,031 a year for the typical owner in Sunset Hills.

  • Sunset Hills 0.96%
  • 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 Sunset Hills

The Census Bureau publishes no typical rent for Sunset Hills. Below are the fair market rents for St. Louis County. In Sunset Hills, 81% 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 Sunset Hills

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

For 2 bedrooms it runs from $1,380 in 63128 to $1,450 in 63127.

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

  • 63127 $1,450$1,860
  • 63128 $1,380$1,770

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

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Sunset Hills

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

The HUD-approved agencies closest to the center of Sunset Hills, 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 · 7 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 · 9 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 · 12 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 Sunset Hills

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 Sunset Hills

HUD’s record names them for Sunset Hills 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 Sunset Hills, 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 Sunset Hills.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Sunset Hills

Short answers with the numbers for Sunset Hills 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 Sunset Hills?

The typical home value in Sunset Hills is $523,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $276,800.

What is the FHA loan limit in Sunset Hills?

Sunset Hills 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 Sunset Hills?

The typical homeowner in Sunset Hills pays $5,031 a year, according to the U.S. Census Bureau. That is 0.96% 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 Sunset Hills?

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).