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 August 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 August 2026.
$160,000DSCR 1.582 bed · 1 bath · 1,036 sqft
- STR revenue
- $33,895/yr
- Est. interest-only payment
- $1,431/mo
On the market 61 days · Listed by Tdd Premier Real Estate
Scout this home & market: 2-bed condo in Saint Louis
$179,900DSCR 1.522 bed · 2 bath · 1,527 sqft
- STR revenue
- $38,565/yr
- Est. interest-only payment
- $1,694/mo
On the market 58 days · Listed by The Hermann London Group Llc
Scout this home & market: 2-bed condo in Saint Louis
$195,000DSCR 1.261 bed · 1 bath · 800 sqft
- STR revenue
- $24,394/yr
- Est. interest-only payment
- $1,288/mo
On the market 129 days · Listed by Coldwell Banker Realty - Gundaker
Scout this home & market: 1-bed house in Saint Louis
$239,900DSCR 1.783 bed · 2 bath · 1,525 sqft
- STR revenue
- $41,522/yr
- Est. interest-only payment
- $1,552/mo
On the market 24 days · Listed by EXIT ELITE REALTY
Scout this home & market: 3-bed house in Saint Louis
$289,900DSCR 2.043 bed · 2.5 bath · 2,124 sqft
- STR revenue
- $54,244/yr
- Est. interest-only payment
- $1,770/mo
On the market 86 days · Listed by Homebound Realty Llc
Scout this home & market: 3-bed house in Saint Louis
$350,000DSCR 1.293 bed · 2.5 bath · 1,742 sqft
- STR revenue
- $42,858/yr
- Est. interest-only payment
- $2,219/mo
On the market 37 days · Listed by SCHNEIDER Real Estate
Scout this home & market: 3-bed house in Saint Louis
$379,999DSCR 1.263 bed · 2.5 bath · 1,660 sqft
- STR revenue
- $45,455/yr
- Est. interest-only payment
- $2,399/mo
On the market 16 days · Listed by The Hermann London Group Llc
Scout this home & market: 3-bed house in Saint Louis
$440,000DSCR 1.534 bed · 2.5 bath · 2,690 sqft
- STR revenue
- $67,173/yr
- Est. interest-only payment
- $2,934/mo
On the market 130 days · Listed by Berkshire Hathaway HomeServices Select Properties
Scout this home & market: 4-bed house in Saint Louis
As of August 2026, we analyzed 1,154 active for-sale homes in Saint Louis, Missouri. The typical listing is priced at $274,950 and is projected to generate about $41,474 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 79.4% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Saint Louis #8 of 200 for cash-flow potential.
On market momentum: homes in Saint Louis sit a median of 49 days on the market, and 35% 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: 564 of the 852 Saint Louis homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $375,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| Under $150k | — | 100%2.10 | 100%2.10 | — | — |
| $150k–$250k | 42%1.11 | 83%1.53 | 98%1.95 | 100%2.17 | — |
| $250k–$350k | — | 28%1.12 | 83%1.52 | 96%1.92 | — |
| $350k–$500k | — | 0%0.86 | 44%1.21 | 63%1.41 | 100%1.94 |
| $500k+ | — | 0%0.52 | 9%0.77 | 10%0.78 | 17%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 | 1,154 |
|---|---|
| Median list price | $274,950 |
| Median projected STR revenue (annual, gross) | $41,474 |
| Median average daily rate (ADR) | $182 |
| Median occupancy | 62% |
| Median beds | 3 |
| Median size | 1,798 sqft |
| Estimated cash-flow-positive share | 79.4% |
| Median days on market | 49 days |
| New listings (last 30 days) | 34.7% of active |
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