Market Overview
Home Prices in Lake Saint Louis, MO
The median home value in Lake Saint Louis, MO is $437,812 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.1% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lake Saint Louis are priced7% above average. Lake Saint Louis is part of the St. Louis, MO-IL metro area.
Over the past five years, Lake Saint Louis home values have risen by approximately19.9%, reflecting steady appreciation in this market.
Price History
Lake Saint Louis Home Price Trend
City Comparison
Lake Saint Louis vs. National Median
At $437,812, homes in Lake Saint Louis cost 7% above the national median of $410,000. Buyers in Lake Saint Louis should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lake Saint Louis?
20% Down Payment
$87,562
on $437,812
Monthly P&I
$2,283/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,899/mo
incl. taxes & insurance
Income Needed
$115,960
gross annual (30% rule)
10% Down Option
$43,781
+ PMI applies
Loan Amount (20% dn)
$350,250
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Lake Saint Louis, MO?
The median home value in Lake Saint Louis is $437,812 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.1% year-over-year.
How much have home prices changed in Lake Saint Louis?
Over the past year, home values in Lake Saint Louis have decreased by 0.1%. Over five years, prices have risen approximately 19.9%.
How much do I need to earn to buy a home in Lake Saint Louis?
To comfortably afford the median home price of $437,812 with a 20% down payment ($87,562) at today's rates (6.8%), you'd need a gross annual income of approximately $115,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Lake Saint Louis compare to the national average home price?
The national median home value is approximately $410,000. At $437,812, homes in Lake Saint Louis are 7% above the national average.
What metro area is Lake Saint Louis part of?
Lake Saint Louis is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.