Housing

Buying a house is one of the biggest investments that many people will ever make. Becoming an informed consumer and getting the information you need will help you find the house that is right for you.
Use these links to find information on St. Louis homes, neighborhoods, realtors, lenders, and financing options. You will also find practical links for first-time home buyers and calculators to estimate your mortgage payment or compare the benefits of renting vs. buying a home.

Some basic tips: Shop around. St. Louis has many "fixer-upper" houses available for very reasonable prices, if you are willing to put in some "sweat equity. "Consider foreclosures, LRA (city-owned) property, HUD-owned property and those marketed as investment property.

Gut rehab or moderate rehab? Depending on your tastes and needs, you may find a house that only needs a little work or one that needs an extensive rehab with all new systems. Find others who have done this and talk to them. Contacts can be made through neighborhood associations, city friendly realtors and the Rehabber's Club.

Use tax credits and rehabber mortgages.The State of Missouri offers tax credits for home improvements and historic rehabilitation that can reduce your rehab cost. The HUD 203k loan program and FannieMae HomeStyle mortgage are designed for rehabbers.

Find a hardward store nearby.Your local hardware store can provide personalized service and attention to detail on your rehab project. Finding a hardware store nearby will also save gas and time. Take time to think about all the steps and materials that you will need for your project to reduce frustration and unnecessary trips to the store.

Environmental Considerations.Renovating an older home often means addressing lead paint and/or asbestos removal or abatement. Protect the health of yourself and your family by following safe handling guidelines. Hire contractors certified to handle lead paint or asbestos. Educate yourself before beginning your project. "An ounce of prevention is worth a pound ofcure."

Whether you are looking for a loft downtown, a condo in the Central West End or an apartment in a 2-family flat in one of over 79 St. Louis neighborhoods, this page has links to apartment search guides, neighborhood housing organizations, as well as information about tenant rights and Missouri landlord/tenant laws.

The City of St. Louis, the state of Missouri and local non-profit organizations offer programs assisting low to moderate income homebuyers and homeowners who need assistance with home repairs.

Whether you have just moved to St. Louis or you are considering a move, the links on this page can help you find information on schools, childcare, voter registration, utilities, finding a place to live or finding a new job!

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