Fix & Flip Calculator — St. Louis, MO
Pre-filled with 2026 St. Louis numbers so you're underwriting to the local market, not to national averages.
- Median ARV
- $245,000
- Median purchase
- $175,000
- Avg rehab
- $38,000
- Days on market
- 25 days
- Property tax
- 1.4%
- Insurance / yr
- $1,500
- Hard money rate
- 12%
- Typical hold
- 5–6 months
Deal inputs
Adjust anything — results update instantly.
The deal
Financing
Holding costs (monthly)
Transaction costs
Projected net profit
-$9,951
ROI (cash)
-22.8%
Annualized
-45.6%
70% Rule check
FailsMax allowable offer at 70% of ARV minus rehab:
$133,500
You're $41,500 over the rule.
75%
$145,750
70%
$133,500
80%
$158,000
Cost breakdown
- Purchase price
- $175,000
- Rehab budget
- $38,000
- Interest
- $11,502
- Loan points
- $3,834
- Property tax
- $1,715
- Insurance
- $750
- Utilities
- $1,050
- Purchase closing
- $3,500
- Selling costs
- $19,600
- Total project cost
- $254,951
- Cash in deal (down + rehab out-of-pocket)
- $21,300
- Break-even sale price
- $254,951
What's different about flipping in St. Louis
Century-old brick housing stock means expect asbestos, knob-and-tube, or lead paint on nearly every deal. Always include a 15% rehab contingency.