Metro area index
Home appreciation in the St. Louis, MO-IL metro area
FHFA HPI® data shows the St. Louis, MO-IL metro area's all-transactions index changed +4.1% over the year to Q2 2026, versus +3.6% for Missouri and +3.0% for the U.S. That ranks 151st of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +4.1%
- 5-year change
- +40.5%
- Since Q1 1995
- +223%
- Metro rank (1 year)
- 151st
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
St. Louis, MO-IL vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- St. Louis, MO-IL: 323.5
- Missouri: 344.5
- United States: 391.6
Appreciation by time window
| Window | Metro | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.1% | +3.6% | +3.0% | +0.5 pts | +1.1 pts |
| 3 years | +15.4% | +14.8% | +12.9% | +0.6 pts | +2.6 pts |
| 5 years | +40.5% | +44.2% | +41.3% | −3.6 pts | −0.7 pts |
| 10 years | +81.9% | +95.0% | +93.3% | −13.1 pts | −11.4 pts |
| Since Q1 1995 | +223% | +244% | +292% | −21.0 pts | −68.1 pts |
3-digit ZIP regions in the St. Louis, MO-IL area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 631 · St. Louis, MO area | MO | +2.8% | +35.3% | +251% | 100% |
| 630 · Florissant, MO area | MO | +4.2% | +44.4% | +212% | 99% |
| 633 · O'Fallon, MO area | MO | +3.5% | +44.7% | +252% | 93% |
| 622 · Belleville, IL area | IL | +6.3% | +48.6% | +183% | 88% |
| 620 · Granite City, IL area | IL | +8.3% | +45.0% | +201% | 86% |
| 626 · Jacksonville, IL area | IL | +7.0% | +40.6% | +150% | 13% |
Boom, bust, and recovery in St. Louis, MO-IL area
St. Louis, MO-IL area's index peaked in Q2 2007, fell 12.7% to its low in Q4 2013, and regained its peak in Q3 2017, about 10.2 years after the top. Today it sits +73.6% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q2 2007 | Q4 2013 | -12.7% | Q3 2017 (10.2 yrs) | +73.6% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, St. Louis, MO-IL area's index has changed +46.1% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | MO after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +0.3% | -0.2% | -0.8% |
| 3 years | +9.8% | +5.1% | +4.6% | +2.8% |
| 5 years | +24.0% | +13.3% | +16.3% | +13.9% |
| 10 years | +39.1% | +30.8% | +40.2% | +39.0% |
| Since Q1 1995 | +121% | +46.1% | +55.6% | +76.8% |
If you bought in the St. Louis, MO-IL area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +219% | $958,051 |
| Q2 2000 | +155% | $764,885 |
| Q2 2005 | +85.2% | $555,504 |
| Q2 2010 | +90.9% | $572,716 |
| Q2 2015 | +88.7% | $566,101 |
| Q2 2020 | +55.4% | $466,207 |
| Q2 2021 | +40.5% | $421,642 |
| Q2 2023 | +15.5% | $346,365 |
| Q2 2025 | +4.1% | $312,360 |
Frequently asked questions
- How much have home prices risen in the St. Louis, MO-IL area?
- FHFA HPI® data for the St. Louis, MO-IL metro area shows changes of +4.1% over one year, +40.5% over five years, and +81.9% over ten years to Q2 2026, and +223% since Q1 1995.
- Is the St. Louis, MO-IL area beating the national average?
- Over the past year the metro's index moved +1.1 pts versus the U.S.; over five years the gap is −0.7 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.