ZIP Code · MO

ZIP 63138

Part of Spanish Lake, MO

Pop. 18,233·Saint Louis County·100th most expensive ZIP in Missouri

Median rent (all units)

$1,249/mo

Year-over-Year

+3.5%

Month-over-Month

+0.5%

vs US Median

-$683

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 63138 · $1,249

More affordable than 89% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$930

1 BR

$970

2 BR

$1,190

3 BR

$1,530

4 BR+

$1,770

Research median

$1,190/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 63138 is at its highest level since Zillow's records here began in June 2022.

Past year vs. the rest of Missouri

Rent in ZIP 63138 changed +3.5% over the year to September 2026. Across the 119 Missouri ZIP codes Zillow tracks, the typical change was +4.6%.

Recent direction

Rent has risen 6 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($56,096) is $1,402 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,190); a 3-bedroom is $1,530.

Cheaper nearby

ZIP 62024, 8 miles away, rents for 25% less ($938/mo), about $3,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 63138. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$14,988/yr

At $1,249/mo median

Location

CitySpanish Lake

StateMO

CountySaint Louis County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.5% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.5% YoY, +0.5% MoM), not inventory.

Demographics

Who lives here

ZIP 63138 (Spanish Lake, MO) is roughly split between renters and owners, has a large share of families with children, has a median income below the national average, 15.6% of residents hold a bachelor's degree or higher.

Population

18,233

Median income

$56,096

Median age

33.1

Renters

50.1%

Age distribution

27%

25.5%

22.3%

13.3%

Under 1827%

18–3425.5%

35–5422.3%

55–6413.3%

65+11.9%

Gender

44.4%

55.6%

Male44.4%

Female55.6%

Race & ethnicity

15.2%

79.3%

White15.2%

Black79.3%

Hispanic1.2%

Asian0.6%

Other3.7%

Education (25+)

34.5%

39.6%

15.6%

No HS diploma10.2%

HS diploma34.5%

Some college39.6%

Bachelor's+15.6%

Housing tenure

49.9%

50.1%

Owner49.9%

Renter50.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 63138 in Spanish Lake, MO has changed in 5 years

Rent

$1,038 → $1,249

up 20.3%

Income

$44,564 → $56,096

up 25.9%

Population

18,250 → 18,233

down 0.1%

Renter share

51.6% → 50.1%

-1.5 pts

Bachelor's+

15.5% → 15.6%

+0.1 pts

Median age

31.2 → 33.1

+1.9 yrs

Since 2023, the typical rent in ZIP 63138 in Spanish Lake, MO has increased from $1,038 to $1,249, a 20.3% change over five years. Census figures show median household income at $56,096 today, compared with $44,564 five years earlier. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. Renters now make up 50.1% of households, compared with 51.6% five years ago. The combined trend lines point to a market that has changed measurably from where it stood in early 2023.

Community

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Local insights

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About renting in ZIP 63138

Last updated: October 17, 2026

ZIP code 63138 covers Spanish Lake, MO. The median rent here is $1,249/mo as of October 2026. A 1-bedroom rents for a median of $970/mo. A 2-bedroom rents for a median of $1,190/mo.

At 27% of local median household income ($56,096/yr), ZIP 63138 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 63138?

To keep rent at or below 30% of gross income, you would need to earn at least $50,000/year (about $24/hour full-time) to afford the median rent of $1,249/mo in ZIP 63138. The local median household income is $56,096/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 63138?

Rent in ZIP 63138 has risen 3.5% over the past year as of September 2026. That is the highest level since Zillow's records here began in June 2022.

How does ZIP 63138 compare to other ZIPs in Missouri?

ZIP 63138 is one of the more affordable among Missouri ZIP codes for rent, ranking #100 of 137 at $1,249/mo. Over the year to September 2026, rent in ZIP 63138 changed +3.5%, against a typical +4.6% across the 119 Missouri ZIP codes Zillow tracks.