The median home in O Fallon, Missouri is valued at $365,626, up 0.8% year over year. Typical monthly rent is $1,848, producing a price-to-rent ratio of 16.5x — near the national average of 18x. O Fallon is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$365,626

+0.8%

Rent$1,848/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$73,125 on $365,626

Example: $75,000 household income. Change it above to see your own.

Out of reach37% of income

Need $99,043/yr to afford.

PITI$2,311

P/I37%

Afford$277K

Gap-$89K

P&I $1,849Tax $296Ins $167

Renting $463/mo cheaper ($1,848 rent)6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Missouri

Compare O Fallon with other housing markets across Missouri.

Huntleigh$2.29M Village of Loch Lloyd$1.29M Ladue$1.27M Westwood$1.24M Frontenac$1.2M Town and Country$1.09M Clarkson Valley$876K Clayton$830K

Full St. Louis, MO-IL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.

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O Fallon, MO