09 Oct St. Louis Homebuyers: 5 Key Factors to Decide Between City or County Living

When it comes to buying a home in St. Louis, one of the biggest questions buyers face is whether to live in the city or the county. Both areas offer unique advantages, from vibrant urban living to peaceful suburban neighborhoods. But how do you decide which one fits your lifestyle, budget, and long-term goals best?

Let’s explore the five key factors every St. Louis homebuyer should consider before making this important decision.

1. Housing Costs and Property Taxes

One of the most noticeable differences between city and county living is housing affordability.

• City of St. Louis:
  Homes in the city tend to have lower purchase prices, making them attractive for first-time buyers and investors. However, property taxes can vary, and some areas have higher rates due to special assessments or school district funding.

• St. Louis County:
  The county has a wide range of price points, from affordable starter homes in North County to luxury estates in places like Ladue or Chesterfield. While the purchase prices may be higher, property tax rates are often lower compared to the city.

Pro Tip: Always compare total monthly costs — including insurance, taxes, and utilities — to see where you’ll get the best long-term value.

2. Commute and Transportation

Your daily commute can make a huge difference in your quality of life.

• Living in the City:
  Residents benefit from shorter drives to downtown, major hospitals, and entertainment venues. Public transportation options, such as MetroLink and bus routes, are more accessible in the city core.

• Living in the County:
  Many suburban neighborhoods offer easy highway access, but commutes to the city can be longer, especially during rush hour. The trade-off is often less traffic congestion and more parking options.

3. Lifestyle and Community Vibe

The lifestyle you want should play a major role in your decision.

• City Living:
  If you enjoy walkable neighborhoods, local breweries, live music, and a strong arts scene, the city delivers. Areas like Soulard, The Grove, and Tower Grove South are known for their culture and nightlife.

• County Living:
  Families and professionals often gravitate toward St. Louis County for its quieter neighborhoods, top-rated schools, and spacious yards. Places like Kirkwood, Clayton, and Webster Groves offer a small-town feel with big-city access.

4. Schools and Family Life

For families, school districts are often the deciding factor.

• City of St. Louis:
  The city has public, charter, and private school options. Some neighborhoods, like Lafayette Square or Central West End, attract families seeking proximity to private institutions and cultural amenities.

• St. Louis County:
  County districts such as Ladue, Rockwood, and Clayton consistently rank among the top public schools in Missouri, making them a top choice for families prioritizing education.

5. Long-Term Investment Potential

When it comes to real estate investment, both the city and the county have strong potential — but in different ways.

• City:
  Urban revitalization projects continue to drive demand in neighborhoods like Fox Park and Benton Park, where renovated homes and historic charm attract both young professionals and investors.

• County:
  County homes generally maintain steady value growth and offer lower volatility. This can be appealing for buyers who plan to stay long-term or want to minimize maintenance costs.

Whether you’re drawn to the historic charm of city life or the comfort of county living, the best choice depends on your personal goals, lifestyle, and budget. Both offer unique opportunities for St. Louis homebuyers looking to put down roots in this dynamic metro area.

If you’re ready to explore your options, Hermann London can help you find the perfect home — whether it’s a downtown loft or a suburban retreat. With deep knowledge of both St. Louis City and County markets, Hermann London ensures you make a smart, confident, and informed investment decision.