Is Saint Louis County, MN good for real estate investing?

Saint Louis County has an investment score of 73/100, rated as "Buy". The county ranks #65 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Saint Louis County is 7.82% annually, which ranks in the 90th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Saint Louis?

The median home price in Saint Louis County is $241,512. This ranks #399 in affordability among all US counties.

Can you cash flow on rental properties in Saint Louis?

Based on median values with 20% down at current rates, a typical rental in Saint Louis County would generate negative cash flow of $242/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Saint Louis County

MinnesotaPopulation: 200,122

/100

Buy

#65 of 1,000 counties

#19 in Minnesota (87 counties)

Market Snapshot

$241,512

Median Home Price

12% below national median

$1,575/mo

Median Rent

5% above national median

7.82%

Rent-to-Price Ratio

Top 10% nationally

-$242

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$241,512

Down Payment (20%)$48,302

Loan Amount$193,210

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,575

Monthly P&I-$1,266

Est. Expenses (35%)-$551

Net Cash Flow-$242/mo

5.1%

Cap Rate (all cash)

-5.2%

Cash-on-Cash Return

7.82%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% 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

73/100

Cash Flow(30%)

78/100

Based on 7.82% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

89/100

Based on 6.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

76/100

Price-to-income ratio of 3.6x. 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 (7.82%)
+Strong price appreciation (+6.0% YoY)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$242/mo)
-Negative leverage (cap rate 5.1% < mortgage rate 6.9%)

Economic Indicators

Population

200,122

Median Income

$66,491

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.6x

Moderately affordable

Compare to Nearby Counties

County					Verdict
CurrentSaint LouisMN	73	$241,512	$1,575	7.82%	Buy
NicolletMN	73	$302,667	Est. pending	—	Buy	View
PolkMN	73	$236,136	Est. pending	—	Buy	View
MeekerMN	72	$278,954	Est. pending	—	Buy	View
DodgeMN	72	$317,490	Est. pending	—	Buy	View
SibleyMN	72	$275,946	Est. pending	—	Buy	View

The Bottom Line

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

Saint Louis County in Minnesota scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 7.82% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-242/mo

Cap Rate

5.1%

Cash-on-Cash

-5.2%

Ready to Analyze a Deal in Saint Louis?

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

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

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Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$241,512

Down Payment (20%)$48,302

Loan Amount$193,210

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,575

Monthly P&I-$1,266

Est. Expenses (35%)-$551

Net Cash Flow-$242/mo

5.1%

Cap Rate (all cash)

-5.2%

Cash-on-Cash Return

7.82%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% 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

73/100

Cash Flow(30%)

78/100

Based on 7.82% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

89/100

Based on 6.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

76/100

Price-to-income ratio of 3.6x. Lower ratios indicate more affordable markets.

County

Verdict

CurrentSaint LouisMN

$241,512

$1,575

7.82%

Buy

NicolletMN

$302,667

Est. pending

—

Buy

View

PolkMN

$236,136

Est. pending

—

Buy

View

MeekerMN

$278,954

Est. pending

—

Buy

View

DodgeMN

$317,490

Est. pending

—

Buy

View

SibleyMN

$275,946

Est. pending

—

Buy

View

The Bottom Line

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

Saint Louis County in Minnesota scores 73/100, ranking #65 of 1,000 US counties (top 6%). The 7.82% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-242/mo

Cap Rate

5.1%

Cash-on-Cash

-5.2%