St. Louis - MO vs Jacksonville - FL: 2026 Housing Comparison

What this means for buyers

Jacksonville - FL is roughly 28% more expensive than St. Louis - MO in typical home value. Homes sit on market longer in Jacksonville - FL (49 days vs 11), suggesting more buyer leverage there.

St. Louis vs Jacksonville: what the numbers say

At today's 7.24% average 30-year rate with 20% down, the typical home would cost about $1,489 a month in principal and interest in St. Louis and $1,911 in Jacksonville, a gap of $422 a month.

Typical rent runs $1,427 in St. Louis and $1,680 in Jacksonville, so the mortgage payment alone is 1.0 times rent in St. Louis and 1.1 times rent in Jacksonville, before taxes and insurance.

Home prices are 16.0 years of rent in St. Louis and 17.4 in Jacksonville; the lower ratio in St. Louis means buying there is cheaper relative to renting.

Over the last 23 months typical values moved +5.4% in St. Louis and -3.3% in Jacksonville; over just the last three months the change was +0.9% in St. Louis and +0.1% in Jacksonville.

Homes sell for 100.1% of list price in St. Louis and 96.8% in Jacksonville, after 11 and 49 days on the market, with price cuts on 29% and 29% of listings. The signs are mixed: St. Louis has more price cuts, while Jacksonville has longer time on the market and sales further below list.

The number of homes for sale is up 9% on a year ago in St. Louis and down 13% on a year ago in Jacksonville.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-29), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.