Median home value in zip code 63138 (Spanish Lake, MO) is $144,633, down 0.2% year over year. Part of the St. Louis, MO-IL metropolitan area.

Home Value$144,633

YoY Change

-0.2%

Prices falling — better for buyers.

Affordability

Enter your income for 63138 (Spanish Lake).

Income (annual)

Down Payment

$28,927 on $144,633

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

Affordable16.3% of income

Under the 28% guideline.

PITI$1,019

P/I16.3%

Afford$248K

Room+$104K

P&I $731Tax $121Ins $167

6.50% 30yr, 20% down, county tax + MO ins. 28% per HUD.

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

Metro Analysis

63138 is part of the St. Louis, MO-IL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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