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DSCR MARKET DATA · ST. LOUIS, MO · #5 NATIONAL 2026

St. Louis — Midwest DSCR With 1.0% Property Tax

$155K SFR · $1,320 rent · 0.85% R/P · DSCR 1.15–1.45 across 5 zones · 1.0% property tax · BJC HealthCare + Boeing + Edward Jones employment.

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DSCR Market Data · St. Louis, MO · #5 national

St. Louis, MO DSCR Market Snapshot · 2026 Q1

0.85%

R/P ratio

St. Louis MSA · all-property

1.30

Avg DSCR

Across 5 zones · 80% LTV / 7.5%

$155K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,320

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

St. Louis DSCR Neighborhoods That Pencil in 2026

Bevo Mill

ZIP 63116

$115K–$175K · DSCR 1.25–1.50 · South-side workforce SFR

Dutchtown

ZIP 63111

$95K–$155K · DSCR 1.30–1.55 · South inner-ring workforce

Florissant

ZIP 63031

$155K–$215K · DSCR 1.20–1.45 · North county workforce suburb

Hazelwood

ZIP 63042

$165K–$235K · DSCR 1.15–1.40 · North county aerospace-adjacent

Tower Grove South

ZIP 63116

$185K–$265K · DSCR 1.10–1.35 · Walkable urban

WHY ST. LOUIS WORKS

Why St. Louis for DSCR Investors

St. Louis combines #5 national R/P (0.85%) with 1.0% effective property tax — below national average — and BJC HealthCare + Boeing + Edward Jones employment diversification. Five validated zones span $95K–$265K SFR with broad workforce-tenant demand.

  • BJC HealthCare + Boeing + Edward Jones + Anheuser-Busch employment anchors
  • Property tax 1.0% effective — below national average
  • R/P 0.85% — tied for #3/4/5 in top 15
  • Five validated zones span urban revival to suburban workforce
  • Section-8 demand via St. Louis Housing Authority

St. Louis DSCR Market Data — read the full market intel →

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW ST. LOUIS COMPARES

How St. Louis Compares to Other Top-Tier DSCR Markets

St. Louis is the cleanest Midwest balance in the top 15 — R/P 0.85% with 1.0% property tax and employment diversification. Compared to Indianapolis (R/P 0.80%, BRRRR-heavy) and Cincinnati (R/P 0.77%, P&G-anchored), St. Louis offers the broadest workforce inventory.

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DATA SOURCES

Where This St. Louis DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1 (metro single-family series, reconciled against St. Louis REALTORS MLS comps). R/P derived from Zillow + ATTOM Data. Vacancy from BLS CEW 2026 Q1. Property tax from St. Louis City + County assessors. HUD FMR via huduser.gov. Last refreshed 2026-05-16.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

St. Louis DSCR Lending Questions

St. Louis is the #5 national DSCR market in 2026. R/P 0.85%, property tax 1.0%, employment diversification via BJC HealthCare + Boeing + Edward Jones, and five validated workforce zones.

Across the five validated zones, DSCR averages 1.30 at 80% LTV / 7.5%. Dutchtown south inner-ring workforce SFR pencils 1.30–1.55. Bevo Mill runs 1.25–1.50. Walkable urban (Tower Grove South) runs 1.10–1.35.

Yes — Bevo Mill (63116), Dutchtown (63111), Florissant (63031), Hazelwood (63042), Tower Grove South (63116). Dutchtown and Bevo Mill have the highest workforce-zone R/P.

St. Louis loan amounts typically $75K–$215K matched to St. Louis SFR inventory. Dutchtown SFR sometimes falls below $75K DSCR-lender minimums.

St. Louis's employment diversification + 1.0% property tax rewards investors who pre-qualify with a St. Louis-specialist real estate agent in place. Run the DSCR calculator with St. Louis tax (1.0%) and insurance defaults.

Homestead Capital Partners NMLS #2587985 | NEXA Mortgage, LLC NMLS #1660690 (DBA NEXA Lending)

5559 S Sossaman Rd, Bldg #1 Ste #101, Mesa, AZ 85212 | Licensed in 48 states (excluding New York and Massachusetts) | Equal Housing Lender

DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.