ZIP CODE 63376 // ST. LOUIS, MO-IL // DATA AS OF 2026-09-30
Saint Peters, MO (63376) Rental Property Cap Rate & Cash Flow Report
Located in Saint Charles County (Saint Peters, MO), Zip Code 63376 ranks #131 of 500 within this selected sample (74th percentile) with a Zillow ZHVI typical home-value index of $328,221 (+3.6% YoY) and a ZORI observed market rent of $1,723/mo (+6.6% YoY). Requires at least 45.9% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$538/mo
Annual: -$6,457/yr
Modeled Cap Rate
4.10%
NOI: $13,459/yr
Cash-on-Cash Return
-8.55%
Cash Needed: $75,491
1% Rule Ratio
0.52%
Gross Yield: 6.30%
Break-Even Rent
$2,341/mo
State Tax: 0.88%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 63376 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (MO Avg 0.88%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$1,660/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$601/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (63376)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $254,633 | $1,346/mo | 6.34% |
| 2022 | $283,712 | $1,489/mo | 6.30% |
| 2023 | $301,439 | $1,489/mo | 5.93% |
| 2024 | $311,996 | $1,575/mo | 6.06% |
| 2025 | $316,828 | $1,616/mo | 6.12% |
| 2026 | $328,221 | $1,723/mo | 6.30% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 65807 Springfield, MO | $232,623 | $1,233/mo | 4.15% | -$371/mo |
| 65203 Columbia, MO | $371,281 | $1,374/mo | 2.48% | -$1,109/mo |
| 85364 Yuma, AZ | $260,227 | $1,280/mo | 4.12% | -$423/mo |
| 32825 Orlando, FL | $386,249 | $2,002/mo | 4.12% | -$627/mo |
| 77084 Houston, TX | $261,493 | $1,526/mo | 4.12% | -$424/mo |
| 47906 West Lafayette, IN | $363,103 | $1,877/mo | 4.13% | -$587/mo |