St. Louis, Missouri · St. Louis County

St. Louis Foreclosures and Distressed Properties in St. Louis County

Listed foreclosures in St. Louis draw crowds and bidding wars. In contrast, ForeclosuresDaily.com delivers off-market leads on owners who need to sell quickly, so you can negotiate one-on-one, away from the MLS.

Pre-foreclosureProbate & pre-probateDivorceTax delinquentAbsentee owners

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St. Louis, Missouri distressed properties map by area and ZIP code
$215,000
Median listing price (down 17%)
4,333
Active listings in St. Louis County
44 days
Average time on market
$1,600
Median rent (down 3%)

Market data: Realtor.com St. Louis County housing market, October 2026.

Carolynn Castillo, ForeclosuresDaily.com customer

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Listed and sold 25 properties and personally bought and sold four fix-and-flip properties, all generated from probate leads.

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Realtor & Broker · eXp Realty

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Distressed real estate for sale

What is a distressed property?

A distressed property is a home whose owner is under pressure to sell. Usually, the cause is a life event, such as a missed mortgage payment, a death in the family, a divorce, unpaid property taxes, or repairs the owner cannot afford.

With a median listing price near $215,000, St. Louis attracts landlords and out-of-state buyers, and listed bargains go fast. However, investors who win here buy from owners whose property is for sale privately and not listed on the Multiple Listing Service (MLS), where there is less competition and more room to negotiate.

St. Louis has about 301,578 residents and sits in St. Louis County, Missouri. Also, the ZIP codes with the most homes for sale today are 63118, 63116, and 63104.

St. Louis real estate investors finding off-market deals
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Shannon Thompson

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Step-by-step

How to find distressed properties in St. Louis

Foreclosure listing sites show homes after the bank or auction is involved. Therefore, to find a deal first, work earlier in the timeline:

Pick your ZIP codes

Initially, start with a few St. Louis ZIP codes where you know values and have cash buyers ready.

Choose lead types

Next, pick your leads, because probate, pre-foreclosure, divorce, code violation, and tax delinquency leads each signal a different reason to sell.

Use fresh data

Then use ForeclosuresDaily fresh leads, which are updated daily, so that you reach owners before other investors mail them.

Target your marketing

In addition, data targeting your marketing means mail, calls, and texts go only to owners with a real reason to sell.

Run the numbers

After that, estimate the after-repair value (ARV) from nearby sales, and then apply the 70% Rule.

Make a fair offer

Finally, solve the seller’s problem with a quick, as-is cash close, then wholesale or flip the property.

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Andrew Litchfield

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Targeted real estate lead generation

Motivated sellers who want to liquidate fast

For this reason, ForeclosuresDaily.com’s off-market real estate platform covers every major distress signal in St. Louis, cross-referenced with tax rolls and property appraiser records.

Probate LeadsExecutors who must sell before the estate can close.Get probate leads →Pre-Probate LeadsFamilies who may sell before a probate case is filed.See pre-probate leads →Inheritance LeadsHeirs who want to sell because they will not keep the home.View inheritance leads →Foreclosure LeadsOwners behind on payments who want to sell before auction.Explore foreclosure leads →Divorce LeadsCouples who must sell when they divide shared assets.Find divorce leads →Eviction LeadsTired landlords who want out because of problem tenants.Browse eviction leads →Code Violation LeadsOwners facing fines because of open violations and costly repairs.Check code violation leads →Tax DelinquencyOwners behind on property taxes who need cash soon.Target tax-delinquent owners →Absentee Owner LeadsOut-of-area owners, especially those far from the property.Reach absentee owners →Life Leads & FSBOOwners selling on their own rather than with an agent.Shop all lead products →
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Anthony Coletti

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Find a deal

ARV and the 70% Rule for St. Louis flips

Real estate flippers and wholesalers use the after-repair value (ARV) to set their maximum offer. For example, the 70% Rule says to pay no more than 70% of ARV, minus repairs. As a result, that margin covers holding costs, closing costs, and profit for property flipping, or your assignment fee when you wholesale.

For instance, here is the math using the St. Louis County median listing price as the ARV and an 8% repair budget.

70% Rule example

ARV$215,000
70% of ARV$150,500
Estimated repairs− $17,000
Maximum offer$133,500
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Zip codes

St. Louis ZIP codes to target

Each St. Louis ZIP code has its own price point and pace. Next, choose a ZIP code from the menu to open its investing data, and then match the area to your strategy.

Saint LouisZIP 63104$335,000Negotiate

63104 market snapshot

$335,000 ▼ 2.9%Median listing price
$167Price per sq ft
58 days ▲ 13.7%Days on market
$1,650 ▲ 3.1%Median rent
139 ▲ 7.8%Active listings
5.9%Gross rent yield

In addition, the Zillow Home Value Index is $297,529 (down 1% from a year earlier) as of August 2026.

Meanwhile, the median price is down 2.9% from a year earlier, and inventory is up 7.8%. As a result, softer pricing gives you room to negotiate with motivated sellers.

Max offer when the ARV equals the median price$335,000 × 70% − $27,000 repairs = $207,500 max offer

Also see the full 63104 market report on Realtor.com →Then view 63104 homes on Zillow →

Saint LouisZIP 63108$342,500Flip

63108 market snapshot

$342,500 ▲ 4.6%Median listing price
$197Price per sq ft
52 days ▼ 13%Days on market
$1,750 ▼ 7.9%Median rent
134 ▲ 22.8%Active listings
6.1%Gross rent yield

In addition, the Zillow Home Value Index is $313,047 (up 1.1% from a year earlier) as of August 2026.

Meanwhile, the median price is up 4.6% from a year earlier, and inventory is up 22.8%. Therefore, higher resale values here reward a well-planned renovation.

Max offer when the ARV equals the median price$342,500 × 70% − $27,000 repairs = $212,750 max offer

Also see the full 63108 market report on Realtor.com →Then view 63108 homes on Zillow →

Saint LouisZIP 63109$267,000Negotiate

63109 market snapshot

$267,000 ▼ 8.3%Median listing price
$216Price per sq ft
28 days ▼ 5.5%Days on market
$1,235 ▲ 23.5%Median rent
106 ▼ 13.7%Active listings
5.6%Gross rent yield

In addition, the Zillow Home Value Index is $272,651 (up 0.5% from a year earlier) as of August 2026.

Prices per square foot run higher here than anywhere else on this list. Meanwhile, the median price is down 8.3% from a year earlier, and inventory is down 13.7%. For this reason, sellers here are adjusting to slower demand, so offers below asking get a hearing.

Max offer when the ARV equals the median price$267,000 × 70% − $21,000 repairs = $165,900 max offer

Also see the full 63109 market report on Realtor.com →Then view 63109 homes on Zillow →

Saint LouisZIP 63110$370,000Flip

63110 market snapshot

$370,000 ▼ 1.3%Median listing price
$191Price per sq ft
30 days ▼ 4.8%Days on market
$1,700 ▲ 17.2%Median rent
91 ▲ 10.1%Active listings
5.5%Gross rent yield

In addition, the Zillow Home Value Index is $306,940 (down 0.3% from a year earlier) as of August 2026.

Median prices are higher here than anywhere else on this list, so one deal can carry a big margin. Meanwhile, the median price is down 1.3% from a year earlier, and inventory is up 10.1%. Because of this, strong prices make this a fit for full renovations with a solid profit margin.

Max offer when the ARV equals the median price$370,000 × 70% − $30,000 repairs = $229,000 max offer

Also see the full 63110 market report on Realtor.com →Then view 63110 homes on Zillow →

Saint LouisZIP 63111$139,850Negotiate

63111 market snapshot

$139,850 ▼ 18.3%Median listing price
$113Price per sq ft
54 days ▲ 10.7%Days on market
$962 ▲ 6.9%Median rent
109 ▼ 9.7%Active listings
8.3%Gross rent yield

In addition, the Zillow Home Value Index is $122,335 (down 2.1% from a year earlier) as of August 2026.

Meanwhile, the median price is down 18.3% from a year earlier, and inventory is down 9.7%. Consequently, use the extra time on market to negotiate repairs into your price.

Max offer when the ARV equals the median price$139,850 × 70% − $11,000 repairs = $86,895 max offer

Also see the full 63111 market report on Realtor.com →Then view 63111 homes on Zillow →

Saint LouisZIP 63112$190,000Buy & hold

63112 market snapshot

$190,000 ▲ 27.1%Median listing price
$155Price per sq ft
46 days ▼ 37%Days on market
$1,495 ▲ 12.8%Median rent
112 ▲ 26.7%Active listings
9.4%Gross rent yield

In addition, the Zillow Home Value Index is $146,610 (down 4.5% from a year earlier) as of August 2026.

Meanwhile, the median price is up 27.1% from a year earlier, and inventory is up 26.7%. As a result, rents cover a larger share of the price here, which helps rental investors.

Max offer when the ARV equals the median price$190,000 × 70% − $15,000 repairs = $118,000 max offer

Also see the full 63112 market report on Realtor.com →Then view 63112 homes on Zillow →

Saint LouisZIP 63115$47,450Negotiate

63115 market snapshot

$47,450 ▼ 13.7%Median listing price
$32Price per sq ft
62 days ▲ 44.2%Days on market
$950 ▲ 5.6%Median rent
85 ▲ 15.6%Active listings
24.0%Gross rent yield

In addition, the Zillow Home Value Index is $41,474 (down 2.8% from a year earlier) as of August 2026.

Entry prices are lower here than in the rest of the group, so it fits wholesaling and first flips. Meanwhile, the median price is down 13.7% from a year earlier, and inventory is up 15.6%.

Max offer when the ARV equals the median price$47,450 × 70% − $4,000 repairs = $29,215 max offer

Also see the full 63115 market report on Realtor.com →Then view 63115 homes on Zillow →

Saint LouisZIP 63116$199,500Wholesale

63116 market snapshot

$199,500 ▼ 0.2%Median listing price
$166Price per sq ft
39 days ▼ 4.9%Days on market
$1,115 ▲ 6.5%Median rent
216 ▲ 2%Active listings
6.7%Gross rent yield

In addition, the Zillow Home Value Index is $186,566 (down 0% from a year earlier) as of August 2026.

Meanwhile, the median price is down 0.2% from a year earlier. Therefore, prices sit near the area median, so focus on deep discounts from off-market sellers.

Max offer when the ARV equals the median price$199,500 × 70% − $16,000 repairs = $123,650 max offer

Also see the full 63116 market report on Realtor.com →Then view 63116 homes on Zillow →

Saint LouisZIP 63118$235,000Negotiate

63118 market snapshot

$235,000 ▼ 6%Median listing price
$132Price per sq ft
53 days ▲ 15.2%Days on market
$1,100 ▲ 4.8%Median rent
224 ▲ 18.4%Active listings
5.6%Gross rent yield

In addition, the Zillow Home Value Index is $180,305 (down 4.1% from a year earlier) as of August 2026.

Largest inventory on the list, so there are more owners to reach. Meanwhile, the median price is down 6% from a year earlier, and inventory is up 18.4%.

Max offer when the ARV equals the median price$235,000 × 70% − $19,000 repairs = $145,500 max offer

Also see the full 63118 market report on Realtor.com →Then view 63118 homes on Zillow →

Saint LouisZIP 63139$269,900Negotiate

63139 market snapshot

$269,900 ▲ 4.2%Median listing price
$210Price per sq ft
38 days ▲ 37%Days on market
$1,400 ▼ 6.7%Median rent
119 ▲ 9.4%Active listings
6.2%Gross rent yield

In addition, the Zillow Home Value Index is $229,188 (up 0.2% from a year earlier) as of August 2026.

Meanwhile, the median price is up 4.2% from a year earlier, and inventory is up 9.4%.

Max offer when the ARV equals the median price$269,900 × 70% − $22,000 repairs = $166,930 max offer

Also see the full 63139 market report on Realtor.com →Then view 63139 homes on Zillow →

Choose a ZIP code from the menu to see its investing data, then compare markets. Market data: Realtor.com, October 2026, and Zillow Home Value Index, August 2026. Also, gross rent yield is 12 months of median rent divided by the median listing price; the 70% Rule example assumes repairs of 8% of the median price.

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ForeclosuresDaily off-market opportunities before your competition

In fact, since 2004, ForeclosuresDaily.com has helped investors, wholesalers, flippers, and agents reach motivated sellers first.

Not on the MLSHomes for sale privately, before any listing.
Less competitionFewer buyers know the property exists.
Fresh leadsNew records added every day.
NationwideTarget any county or ZIP code.

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FAQ

St. Louis foreclosure and distressed property questions

How do I find distressed properties for sale in St. Louis?

Initially, start with public-record signals such as pre-foreclosure, probate, divorce, and tax delinquency. ForeclosuresDaily.com gathers these records daily, so that you can contact St. Louis owners before the home is listed or sent to auction.

Where can I find foreclosed homes in St. Louis?

Bank-owned and auction homes appear on sites like Realtor.com, Zillow, and Auction.com. However, off-market pre-foreclosure leads let you reach owners earlier, while they can still sell on their own terms.

Which ZIP codes have the lowest entry prices?

Among the ZIP codes in this guide, the lowest median listing prices are in 63115 (Saint Louis) at $47,450, 63111 (Saint Louis) at $139,850, and 63112 (Saint Louis) at $190,000, based on Realtor.com data from October 2026.

Where do homes sell fastest?

ZIP code 63109 has the shortest average time on market in this guide, at 28 days. As a result, fast markets reward investors who can reach owners before a home is listed.

How do I find distressed properties for wholesale profit?

First of all, focus on owners with equity and a reason to sell quickly. Then run the 70% Rule, and finally line up cash buyers before you sign a contract you plan to assign.

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