Buying a Home in St. Ann, MO
What it actually costs to buy in this established St. Louis County suburb — real prices, monthly payments, income needed, and the local rules most buyers don’t know. From a local broker, not a national average.
What it costs to buy in St. Ann
St. Ann’s median sale price is about $168,038 — well below the St. Louis County median. Here’s a rough monthly picture at that price:
20% down · 30-yr fixed
What you’d need to afford it
At St. Ann’s median, a typical buyer needs roughly $30,000–$40,000 in household income (less with more down, more if you carry other debt). Want to see where your budget actually reaches across St. Louis? Explore the affordability map to compare St. Ann with every nearby community.
St. Ann by the numbers
Source: U.S. Census Bureau, ACS 2024 5-year.
Run your St. Ann numbers
These are the same free tools that power this page — try them with St. Ann’s prices and your own situation:
Living in St. Ann: what buyers should know
The feel
St. Ann is a St. Louis County city near Lambert International Airport, one of the region's post-World War II suburbs developed in the 1940s and 1950s as affordable single-family housing. Housing is largely modest post-war single-family homes on compact lots.
Schools
St. Ann is served by the Pattonville School District. For factual, source-based ratings, review the district’s Missouri DESE report card or its GreatSchools profile as you weigh your budget.
Local rules most buyers miss
Occupancy permit: St. Ann requires an occupancy permit and inspection on any change of ownership or occupancy. Since May 2023 the city has contracted the residential inspections to St. Louis County Public Works (314-615-4100); the city permit fee is about $30 and a passing inspection is good for 120 days. Confirm current requirements with the City of St. Ann (314-427-8009).
Property taxes: Missouri assesses homes at 19% of market value, and your bill depends on St. Ann’s combined St. Louis County and school-district levies. Taxes are a real line in your payment here — don’t estimate from a national calculator.
Good news: Missouri has no real-estate transfer tax, so that’s one closing cost you won’t pay.
How St. Ann compares to nearby communities
Median sale prices for St. Ann and its immediate neighbors (Redfin, May 2026):
| Community | Median price |
|---|---|
| St. Ann | $168,038 |
| Bridgeton | $292,241 |
| Overland | $164,070 |
| Maryland Heights | $259,911 |
| Northwoods | $74,962 |
Prefer a different price point? Compare St. Ann with the neighbors above, or see them all on the map →.
Buying in St. Ann with Better Rate Mortgage
We’re a St. Louis broker — we know St. Ann’s inspections, its taxes, and what it takes to win a home here. For qualified buyers, our $5,000 Seller Guarantee can make your offer stand out in a competitive St. Ann market by giving sellers extra confidence your financing will close.
St. Ann home-buying FAQ
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Sources & disclaimers. Median home prices: Redfin Data Center, 3-month sales-weighted average, as of May 2026. Payment and income figures are illustrative estimates for general education only, assume an illustrative rate and typical St. Louis County tax/insurance, and are not Better Rate Mortgage’s actual rates or a commitment to lend; your terms depend on your application. Confirm occupancy-inspection and permit requirements with your local building department. Reviewed by Sean Zalmanoff, Founder & Chief Loan Officer, Better Rate Mortgage (NMLS #239823). Company NMLS #2401335. Equal Housing Lender. Basemap © OpenStreetMap contributors, © CARTO.
