City · 6,795 residents · St. Louis County, Missouri
Valley Park, Missouri
In Valley Park, a typical home is worth $251,000 and typical rent is $1,443 a month. Compared with all of St. Louis County, typical rent is 19% higher, typical household income is 18% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $232,262 to $291,933.
Typical rent
$1,567a month
Typical rent from Zillow, December 2025 to September 2026: from $1,512 to $1,567.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Valley Park 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
What this place has that others do not, from public data, most unusual first.
1
52% of households in Valley Park own their home, against 69% in St. Louis County.
2
Nearby, in Murphy, the typical rent is $1,056: 27% less than in Valley Park ($1,443).
3
Nearby, in Murphy, the typical home value is $184,700: 26% less than in Valley Park ($251,000).
4
The typical rent in Valley Park is $1,443 a month, 19% more than in St. Louis County as a whole ($1,209).
5
The typical household income in Valley Park is $67,898,18% less than in St. Louis County as a whole ($82,936).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Valley Park
What homes there are in Valley Park, 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
Valley Park
St. Louis County
Missouri
United States
Kind of home: Valley Park and its comparisons
Measure
Valley Park
St. Louis County
Missouri
United States
Detached house
50%
72%
71%
61%
Attached house
8%
5%
4%
6%
Building of 2 to 4
Unreliable estimate
7%
8%
8%
Apartments (5 or more)
36%
17%
13%
19%
Mobile home
Unreliable estimate
0%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Valley Park, 5 in 10 homes are single-family detached houses; in St. Louis County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Valley Park
St. Louis County
Missouri
United States
Year built: Valley Park and its comparisons
Measure
Valley Park
St. Louis County
Missouri
United States
Before 1960
13%
34%
27%
26%
1960–1979
12%
34%
25%
24%
1980–1999
58%
21%
25%
25%
2000–2009
13%
6%
13%
14%
2010 or later
Unreliable estimate
4%
10%
11%
Homes in Valley Park are newer: the typical year built is 1990; in St. Louis County, 1969.
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–$300K46%
$300K–$500K25%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Valley Park and its comparisons
Measure
Valley Park
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
46%
$300K–$500K
25%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49954%
$1,500–$1,99930%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Valley Park and its comparisons
Measure
Valley Park
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
54%
$1,500–$1,999
30%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,706 a month
St. Louis County: $1,753 a month
Without a mortgage
$692 a month
St. Louis County: $698 a month
Owners with a mortgage
77%
St. Louis County: 64%
Owning costs about the same in Valley Park as in St. Louis County: with a mortgage, $1,706 a month; without one, $692.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Valley Park+40%
St. Louis County+39%
Missouri+47%
United States+53%
Typical rent
Valley Park+45%
St. Louis County+23%
Missouri+25%
United States+33%
Typical household income
Valley ParkNo clear change
St. Louis County+23%
Missouri+28%
United States+29%
Change since 2015–2019: Valley Park and its comparisons
Measure
Valley Park
St. Louis County
Missouri
United States
Typical home value
+40%
+39%
+47%
+53%
Typical rent
+45%
+23%
+25%
+33%
Typical household income
No clear change
+23%
+28%
+29%
The typical home value in Valley Park rose 40% since 2015–2019, about the same as in St. Louis County (39%).
Rents in Valley Park rose faster than in St. Louis County: 45% since 2015–2019, against 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Valley Park and its comparisons
Measure
Valley Park
St. Louis County
Missouri
United States
Rental vacancy
Unreliable estimate
5.0%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.9%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.7%
3.4%
People per household
2.06
2.36
2.40
2.53
Drive alone
70%
71%
75%
69%
Carpool
7%
6%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
21%
18%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Valley Park has 2.06 people, fewer than in St. Louis County (2.36).
The car rules in Valley Park: 70% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Valley Park?
A typical home costs more than the typical income allows
We start with a typical home in Valley Park, worth $251,000, 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 Valley Park, which is $67,898 a year. For that payment to be 28% of income, a household would need to earn about $93,343 a year.
The calculator's FHA and conventional loan limits are those of all of St. Louis 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 Valley Park. 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 $8,785 (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
$2,178
at 7.18% · 30 years
Loan amount
$246,454
Total interest
$354,589
Paid off in
November 2056
Includes $4,239 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,584 a month
Tight
$1,584 to $2,037 a month
Hard
more than $2,037 a month
Your payment · 38%
Compared with the typical household income in Valley Park ($67,898 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,670
Property tax
$293
Home insurance
$105
FHA mortgage insurance (MIP)
$111
You need at least $8,785 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 $2,178; principal and interest $1,670.
The city and its county
Valley Park and St. Louis County
Valley Park 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).
Valley Park
Map of St. Louis County, Missouri, with Valley Park marked. Around it, the neighboring counties.
Valley Park
St. Louis County
Other cities with a page
Valley Park's own numbers
Typical home value
$251,000
Typical monthly rent
$1,443
Typical yearly household income
$67,898
Households that own their home
52%
Effective property tax rate
1.4%
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.
A typical home in Valley Park is worth $251,000: 9% below the county and 9% above Missouri. With the typical household income in Valley Park ($67,898 a year), a typical home costs 3.7 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.
Valley Park3.7 years
St. Louis3.3 years
Missouri3.3 years
United States4.1 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.
Yearly change in FHFA’s price index in St. Louis County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +4.6% +4.6% 2017
2018: +3.9% +3.9% 2018
2019: +4.0% +4.0% 2019
2020: +3.0% +3.0% 2020
2021: +8.8% +8.8% 2021
2022: +12.6% +12.6% 2022
2023: +7.3% +7.3% 2023
2024: +5.3% +5.3% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in St. Louis County, Missouri and the United States
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
Valley Park 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
Valley Park$251,000
St. Louis$276,800
Missouri$230,300
United States$332,700
Typical monthly rent
Valley Park$1,443
St. Louis$1,209
Missouri$1,033
United States$1,413
Typical yearly household income
Valley Park$67,898
St. Louis$82,936
Missouri$70,702
United States$80,734
See the full table
Valley Park next to St. Louis County and Missouri
Measure
Valley Park
St. Louis County
Missouri
U.S.
Typical home value
$251,000 ▼9% below the county
$276,800
$230,300
$332,700
Typical monthly rent
$1,443 ▲19% above the county
$1,209
$1,033
$1,413
Typical yearly household income
$67,898 ▼18% below the county
$82,936
$70,702
$80,734
Households that own their home
52% ▼17 points below the county
69%
68%
65%
Typical yearly property tax
$3,506 ▲5% above the county
$3,335
$1,948
$3,119
Effective property tax rate
1.4% ▲0.2 points above the county
1.2%
0.85%
0.94%
Renters with high rent for their income
55% ▲7 points above the county
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 Valley Park
For a typical $251,000 home in Valley Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Valley Park's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,178a month
Least cash to close
Down payment
$8,785
Cash to close
$16,315
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,132a month
Down payment
$12,550
Cash to close
$20,080
Rate
7.18%
Mortgage insurance
PMI · $119
Conventional, 20% down, no PMI$1,758a month
Down payment
$50,200
Cash to close
$57,730
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,990a month
Down payment
$37,650
Cash to close
$45,180
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Valley Park
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,178
$8,785
$246,454
7.18%
FHA MIP · $111
$16,315
580
Conventional, 5% down
$2,132
$12,550
$238,450
7.18%
PMI · $119
$20,080
620*
Conventional, 20% down, no PMI
$1,758
$50,200
$200,800
7.18%
None
$57,730
620*
ITIN, 15% down (example)
$1,990
$37,650
$213,350
8.18%
None
$45,180
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 Valley Park and for St. Louis County.
Property tax
Effective rate in Valley Park
1.4%of the home’s value each year
$3,506 a year for the typical owner in Valley Park.
Valley Park1.4%
St. Louis1.2%
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 Valley Park is $1,443 a month: 19% above the county. In Valley Park, 55% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in St. Louis County (Fiscal year 2027)
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 Valley Park
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Valley Park is in ZIP code 63088.
For 2 bedrooms it is $1,600: $251 more than the fair market rent for St. Louis County ($1,349).
Fair market rent by ZIP code and size in Valley Park, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63088
$1,260
$1,310
$1,600
$2,050
$2,370
ZIP code2 bd3 bd
63088 $1,600$2,050
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Valley Park 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.
There are 5 HUD-approved agencies with an office in St. Louis County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Valley Park or St. Louis County. The ones below are statewide in Missouri: they work in Valley Park 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 Valley Park or St. Louis 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 Valley Park 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 Valley Park?
The typical home value in Valley Park is $251,000, 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 Valley Park?
Typical rent in Valley Park is $1,443 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 Valley Park?
Valley Park 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 Valley Park?
The typical homeowner in Valley Park pays $3,506 a year, according to the U.S. Census Bureau. That is 1.4% 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 Valley Park?
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.
