Is Saint Francois County, MO good for real estate investing?

Saint Francois County has an investment score of 67/100, rated as "Buy". The county ranks #172 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Saint Francois?

The rent-to-price ratio in Saint Francois County is 7.37% annually, which ranks in the 83th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Saint Francois?

The median home price in Saint Francois County is $182,208. This ranks #275 in affordability among all US counties.

Can you cash flow on rental properties in Saint Francois?

Based on median values with 20% down at current rates, a typical rental in Saint Francois County would generate negative cash flow of $228/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Francois County

MissouriPopulation: 66,814

/100

Buy

#172 of 1,000 counties

#35 in Missouri (113 counties)

Market Snapshot

$182,208

Median Home Price

22% below national median

$1,119/mo

Median Rent

26% below national median

7.37%

Rent-to-Price Ratio

Top 17% nationally

-$228

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$182,208

Down Payment (20%)$36,442

Loan Amount$145,766

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,119

Monthly P&I-$955

Est. Expenses (35%)-$392

Net Cash Flow-$228/mo

4.8%

Cap Rate (all cash)

-6.5%

Cash-on-Cash Return

7.37%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

67/100

Cash Flow(30%)

74/100

Based on 7.37% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

66/100

Based on 1.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

79/100

Price-to-income ratio of 3.4x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.37%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$228/mo)
-Negative leverage (cap rate 4.8% < mortgage rate 6.9%)

Economic Indicators

Population

66,814

Median Income

$53,083

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.4x

Moderately affordable

Compare to Nearby Counties

County					Verdict
CurrentSaint FrancoisMO	67	$182,208	$1,119	7.37%	Buy
JeffersonMO	67	$281,743	$1,462	6.23%	Buy	View
CassMO	67	$326,634	$1,717	6.31%	Buy	View
HowellMO	67	$213,347	Est. pending	—	Buy	View
DaviessMO	66	$275,953	Est. pending	—	Buy	View
MonroeMO	65	$216,427	Est. pending	—	Buy	View

The Bottom Line

BuySaint Francois offers solid investment potential with good cash flow or appreciation prospects.

Saint Francois County in Missouri scores 67/100, ranking #172 of 1,000 US counties (top 23%). The 7.37% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-228/mo

Cap Rate

4.8%

Cash-on-Cash

-6.5%

Ready to Analyze a Deal in Saint Francois?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$182,208

Down Payment (20%)$36,442

Loan Amount$145,766

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,119

Monthly P&I-$955

Est. Expenses (35%)-$392

Net Cash Flow-$228/mo

4.8%

Cap Rate (all cash)

-6.5%

Cash-on-Cash Return

7.37%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

67/100

Cash Flow(30%)

74/100

Based on 7.37% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

66/100

Based on 1.6% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

79/100

Price-to-income ratio of 3.4x. Lower ratios indicate more affordable markets.

County

Verdict

CurrentSaint FrancoisMO

$182,208

$1,119

7.37%

Buy

JeffersonMO

$281,743

$1,462

6.23%

Buy

View

CassMO

$326,634

$1,717

6.31%

Buy

View

HowellMO

$213,347

Est. pending

—

Buy

View

DaviessMO

$275,953

Est. pending

—

Buy

View

MonroeMO

$216,427

Est. pending

—

Buy

View

The Bottom Line

BuySaint Francois offers solid investment potential with good cash flow or appreciation prospects.

Saint Francois County in Missouri scores 67/100, ranking #172 of 1,000 US counties (top 23%). The 7.37% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-228/mo

Cap Rate

4.8%

Cash-on-Cash

-6.5%