Saint Louis, MO Rental Market for Investors
An estimated 79% of Saint Louis's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
Homes in Saint Louis that pencil right now
A sample of active Saint Louis listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of October 2026.
$156,000DSCR 1.591 bed · 2 bath · 1,100 sqft
- STR revenue
- $23,314/yr
- Est. interest-only payment
- $978/mo
On the market 65 days · Listed by Berkshire Hathaway Homeservices Select Properties
Scout this home & market: 1-bed house in Saint Louis
$189,900DSCR 1.572 bed · 2 bath · 1,279 sqft
- STR revenue
- $40,529/yr
- Est. interest-only payment
- $1,719/mo
On the market 87 days · Listed by The Hermann London Group Llc
Scout this home & market: 2-bed condo in Saint Louis
$377,500DSCR 1.323 bed · 2.5 bath · 1,937 sqft
- STR revenue
- $41,544/yr
- Est. interest-only payment
- $2,105/mo
On the market 34 days · Listed by Garcia Properties
Scout this home & market: 3-bed house in Saint Louis
As of October 2026, we analyzed 1,355 active for-sale homes in Saint Louis, Missouri. The typical listing is priced at $279,900 and is projected to generate about $40,913 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 78.9% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Saint Louis #10 of 200 for cash-flow potential.
On market momentum: homes in Saint Louis sit a median of 51 days on the market, and 34% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Saint Louis, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.
What actually works in Saint Louis
Saint Louis is a broad cash-flow market right now: 618 of the 984 Saint Louis homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $378,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| Under $150k | — | 100%2.11 | 100%2.20 | — | — |
| $150k–$250k | 40%1.19 | 82%1.48 | 98%1.87 | 97%1.94 | — |
| $250k–$350k | — | 19%1.06 | 75%1.45 | 100%1.87 | — |
| $350k–$500k | — | 0%0.81 | 39%1.18 | 58%1.43 | 94%1.91 |
| $500k+ | — | 0%0.66 | 2%0.77 | 9%0.80 | 22%0.89 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Saint Louis in full
| Active for-sale homes analyzed | 1,355 |
|---|---|
| Median list price | $279,900 |
| Median projected STR revenue (annual, gross) | $40,913 |
| Median average daily rate (ADR) | $179 |
| Median occupancy | 62% |
| Median beds | 3 |
| Median size | 1,852 sqft |
| Estimated cash-flow-positive share | 78.9% |
| Median days on market | 51 days |
| New listings (last 30 days) | 33.7% of active |
As a user of this system, you agree to all Scout Terms & Conditions and Home & Mortgage Conditions.
Would a Saint Louis rental qualify for a DSCR loan?
Pre-filled with Saint Louis's median price and projected short-term-rental income — change any field to match a specific property.
Advanced
On a 5-minute call with you, we can use Scout to run real numbers on real properties.
Estimates for educational purposes. Final terms subject to credit, property & program approval.
5 senior bankers · 47 statesPressure-test the market before you trust the median.
We’ll help you compare the market-level signal with the exact property, local costs, rental rules, and financing structure.
Thinking about an investment property in Saint Louis?
Send the address or your target buy box. We’ll run the property with today’s assumptions.
Prefer to talk now? Call or text Chad: 858-353-8331.