NEIGHBORHOOD DATA GATEWAY

An ongoing effort to use data to
Inform, Invest and Innovate in St. Louis neighborhoods.

Stay tuned for the launch of the:
The St. Louis Neighborhood Market DrillDown — data contained in
the attached report — was a community collaboration co-chaired by:
and
Visit drilldownstl.org for more information about the initiative, the collaborators,
and its community impact — including an interactive map with key data.
WWW.DRILLDOWNSTL.ORG
Saint Louis
Neighborhood Market DrillDown
Catalyzing Investment for the Common Good
Copyright © 2011 Social Compact Inc.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
2
 
About Social Compact
Social Compact is a nauonal not‐for‐profit corporauon led by a board of business leaders whose mission is to
help strengthen neighborhoods by sumulaung private market investment in underserved communiues. Social
Compact accomplishes this through its Neighborhood Market DrillDown analyuc tool, developed to accurately
measure community economic indicators, and provides this informauon as a resource to community
organizauons, government decision makers and the private sector.

Social Compact is at the forefront of idenufying the market potenual of underserved neighborhoods and
promotes public‐private partnership involving community members and leveraging private investment as the
most sustainable form of community economic development.

Social Compact
218 D Street SE, 2nd Floor
Washington, DC, 20003
202.547.2581

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
3
 
Dear Colleagues
Social Compact conunues to change the field of community development through its
Neighborhood Market DrillDown. Our reputauon in the industry comes from pursuing
our mission of strengthening neighborhoods by sumulaung private investment in
underserved communiues. Working collaborauvely with city leaders, we have seen a
measurable and posiuve shiû in the way inner‐city communiues are viewed.

Our strength comes from our collaborauon with local government, private sector leaders
and community development organizauons. They are not only the best advocates for
their own neighborhoods and ciues, but they are also the key players in finding soluuons
and opportuniues for the communiues they live in. The City and County have been a
tremendous partners through this, our current effort in St. Louis.

Social Compact’s DrillDown has been used by ciues and organizauons as a foundauon for
providing quality financial services, encouraging property development, and auracung
retail establishments — all vital building blocks in prosperous, healthy, and sustainable
neighborhoods and ciues.

On behalf of the Social Compact Board of Directors, I congratulate St. Louis on their
successes and look forward to our conunued partnership.

Sincerely,



Mary Lee Widener
Interim Chair, Social Compact

Board of Directors

Mary Lee Widener, Interim Chair. 

Joseph Reppert, Chair, Board of Trustees; 
Vice Chair, CoreLogic, Inc.

JoAnn Kane, Treasurer;   
INVEST – Strategic Consultauon Services

Michael R. McGuire, Secretary;
Managing Director, MWA Advisors LLC

Clark Abrahams, Chief Financial Architect,
World Markeung, SAS

Karen Collins, Former President and Chairman;
CoreLogic

Bonnie Kantor, Senior Manager, Deloiue Services LP

Margaret Moertl, Senior Vice President,
Community Development Banking, PNC Bank

Dean Schultz, President and CEO,
Federal Home Loan Bank of San Francisco




FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
4
 
Foreword
In conunuance of Social Compact’s commitment to sumulaung investment in underserved and undervalued
urban communiues, I am proud to present the findings of the St. Louis Neighborhood Market DrillDown. The
DrillDown analysis marks a nuanced approach to economic development iniuauves citywide.

These DrillDown findings are undoubtedly strengthened by the local market insight and experuse of the City
and County. Furthermore, I am confident that the strong collaborauon of locally focused insutuuons and
community and business leaders in the city, will lead to significant impact in St. Louis neighborhoods.

I anucipate that the St. Louis Neighborhood Market DrillDown findings will serve as one way to unify the
diverse efforts of the city’s leadership to implement sustainable informauon‐led development projects that will
reenergize and reinforce the neighborhoods.

Sincerely,







Alyssa Lee
President & CEO







FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
5
 
Acknowledgments
Social Compact would like thank the St. Louis City and County and AmerenUE for providing the necessary data
and local insight, and CoreLogic, SAS Insutute Inc., and ESRI for their contribuuons of data, soûware and
experuse.

The St. Louis Neighborhood Market DrillDown is a collaborauon co‐chaired by Regional Housing & Community
Development Alliance (RHCDA) and Housing and Community Soluuons, Inc., in partnership with Social Compact
of Washington, DC. Funding was provided by RHCDA, the PNC Foundauon, Commerce Bank, US Bank, an
anonymous St. Louis family foundauon and St. Louis County. Addiuonal support was provided by the City of St.
Louis and AmerenUE. The Federal Reserve Bank of St. Louis and Congressman Wm. Lacy Clay were the
conveners of the St. Louis Neighborhood Market DrillDown.

Special thanks are due to the City of Ferguson, North County Incorporated, and the Public Policy Research
Center at University of Missouri St. Louis for their early involvement in laying the foundauon for the St. Louis
Neighborhood Market DrillDown as well as their conunued support of the iniuauve.

The St. Louis Neighborhood Market DrillDown also would not have been possible without the parucipauon and
advocacy of stakeholders from a variety of sectors: governments, non‐profits, foundauons, universiues,
neighborhood residents, and the private sector. Hundreds of local experts generously volunteered their ume,
parucipaung in meeungs, events and providing comments on the report and process.

Finally, many thanks to Social Compact’s dedicated Board of Directors for their conunued leadership and
support.


FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
6
 
Inner‐city neighborhoods represent billions of dollars in untapped buying power and retail
leakage. The ethnic and cultural diversity of urban residents represent a myriad of
opportuniues for local entrepreneurs, niche markets and new markets for financial service
providers, grocers, corporate retailers and other commercial investors. Despite this
opportunity, barriers to private investment in underserved neighborhoods persist. As a
result, urban residents lack access to basic goods and services at compeuuve prices, and
retailers and developers are unable to capitalize on the fundamental assets of inner‐city,
urban communiues.

Underserved urban neighborhoods are oûen negauvely stereotyped and defined by
deficiencies rather than strengths. The reason for this is manifold. First, communiues oûen
use deficiency‐based depicuons to demonstrate need for federal subsidies and social service
programs. While these depicuons auest to social need, they do liule to highlight
neighborhood strengths and economic opportunity. Second, excessive media coverage of
undesirable characterisucs such as crime, poverty, and blight perpetuate negauve
percepuons of these inner‐city neighborhoods. Finally, lack of dependable business‐oriented
data on underserved communiues expands the informauon gap on market trends, disabling
potenual investors from making informed decisions. Combined, these factors contribute to a
cycle of missed opportuniues in underserved urban markets.
EXECUTIVE SUMMARY
INTRODUCTION
STUDY AREA OVERVIEW

MARKET SIZE
Populauon & Households
Populauon Density
Residenual Postal Counts
Populauon Change

MARKET STRENGTH
Neighborhood Income Density
Aggregate Household Income
Neighborhood Informal Economy
Average & Median Income
New Homebuyer Income

MARKET STABILITY
Home Ownership
Business Trends

MARKET POTENTIAL
Resident Retail Expenditures
Retail Leakage
Apparel, Restaurant
Financial Services
Nontradiuonal Financial Service Providers

GROCERY GAP

FAQ

DRILLDOWN PROFILE
St. Louis Study Area Snapshot
City of St. Louis Snapshot
North County Study Area Snapshot
Subarea Snapshots

DrillDown Glossary & Sources
The DrillDown: Bridging the Informauon Gap

Contents
...p 7
...p 10
...p 12

...p 13





…p 16






...p 21



...p 23






..p 28

...p 35


...p 36
...p 38
...p 40
...p 42

...p 98

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
7
 

> The City of St. Louis and North County Study Area have a
combined income density 6.7 umes that of the 8 county metro
area.* The City alone has an income density over 11 umes that
of the metro area. This income density creates unique
opportuniues for retailers to capture more demand with a
smaller trade area, or even greater demand with the typical
trade area than they would require in the metropolitan area.

> The City of St. Louis is poised to capture $613 million dollars
spent on retail outside of its boundaries, while it already
captures a proporuon of restaurant revenue from the
surrounding areas.

> Overall, food access is limited for many residents in the Study
Area. 45% of residents are underserved, with access to less
than 3 square feet of full‐service grocery store space per capita.
Over 19% of residents live in areas that have limited access to
full‐service grocery and could support the upgrading of limited‐
service corner stores into full‐service stores or new full‐service
grocery stores.
> Nearly half of residents live closer to a check‐casher, pawnshop or
payday lender than to a bank. The North County Study Area has 75%
more of these nontradiuonal lenders per household than the City.

> One out of three residents do not show a credit record; credit records
are used to provide access to everything from a house, to a car, to a
job.

> In 9 subareas, the number of households grew between 2008 and
2010, according to esumates derived from United States Postal
Service (USPS) delivery points.

> 12 subareas saw an increase in the number of businesses between
2008 and 2010.



Execuuve Summary
DrillDown Highlights
*The St. Louis metro area is defined here as the 8 county planning region, including St. Charles County, City of St. Louis, St. Louis County, Franklin County, Jefferson County,
Madison County, St. Clair County and Monroe County.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
8
 
MARKET SIZE

The Neighborhood Market DrillDown esumates the total populauon in the
St. Louis Study Area at 703,213, 5 percent (32,776 people) above the Census
2010 populauon esumate of 670,437, which is consistent with fact that a
large poruon of study area block groups are in hard to count census tracts.
This compares to the 2000 Census figure of 717,650.

Between 2000 and 2010 the decennial Census found a significant populauon
decline across the City and the County, with a loss of 47,213 people within
the Study Area. This loss is auributed to a notable decrease in average
household size and an increase in vacancy rates.

Counter to this trend, the CBD, Central Grand and Euclid saw an increase in
populauon over the decade, according to Census figures.

Between 2008 and 2010, nine subareas saw an increase in United States
Postal Service residenual delivery counts, which suggests that the number of
households increased in these areas.

MARKET STRENGTH

The DrillDown reveals higher incomes than tradiuonal esumates indicate in
the St. Louis Study Area: esumates for both average household income
($57,051) and median household income ($42,062) exceed 2011 tradiuonal
market esumates—by 13 percent and 11 percent, respecuvely. According to
Census esumates, income was stable over the decade.

Aggregate household income, totaling an esumated $16.9 billion, exceeds
the 2011 tradiuonal market esumate by 20.5 percent ($2.9 billion). Study
Area aggregate income is bolstered by $713 million in informal economic
income, comprising 4.4 percent of the total study area economy.

South Grand, Kingshighway, Cherokee, South Broadway, Manchester and
Marun Luther King subareas have high income densiues compared to the
Study Area, but are overlooked by tradiuonal market indicators that use
average or median income.

Income density in the St. Louis Study Area, esumated at $131,851 is 6.7
umes the 8 country metro area average of $19,741.

Supporung the posiuve income difference observed throughout the Study
Area, the average income of new home owners—those who purchased
homes between 2006 and 2010—consistently exceeds the average income
of area residents in 2000. For example, in 2010, the average income of new
home buyers was $60,460, 30 percent above the average income of Study
Area residents in 2000 (in real dollars).

MARKET POTENTIAL

Retail and Restaurant Services

Residents in the St. Louis Study Area spend $4 billion on retail purchases and
services annually. Retail revenues within the Study Area total $4.2 billion.

In the City of St. Louis, there is $615 million unmet retail demand, which is
nearly thirty percent of total retail expenditures. Suggesung that one out of
every three dollars is not captured by the current retail mix in the City. These
findings suggest the City of St. Louis could support more retailers.

The Marun Luther King, South Grand, Normandy School District and
Bellefontaine/Riverview areas have significant unmet retail demand, with
over $50 million in unmet demand.
Execuuve Summary
Market Size, Strength & Potenual

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
9
 
Study Area restaurants auract dollars from beyond the Study Area. Tourist
and visitor spending, esumated at $28.4 million annually, comprises roughly 4
percent of restaurants’ total annual earnings ($689 million).

Fourteen subareas have unmet restaurant demand. Jamestown, Marun
Luther King, Normandy School District and Bellefontain/Riverview, South
Grand and Jennings subareas have significant leakage, where over 50 percent
of expenditures are not captured within the neighborhoods.

With respect to apparel demand, the DrillDown finds $123.4 million in Study
Area leakage. These dollars represent resident demand that is currently not
being met by exisung retailers in the Study Area, which could support
363,447 addiuonal square feet of apparel retail.

Grocery Access
 
Forty‐five percent of residents in the Study Area are underserved by full‐
service grocers, having less than 3 square feet of full‐service grocery per
person within a ten minute drive. Twelve of the 25 subareas have less than 3
square feet per person, with Florissant Corridor, North Grand, Natural Bridge,
the Central Business District and Spanish Lake CDP having the least access.

Residents in six of the subareas are over one mile from the nearest full‐
service grocer. This compares to an average of .74 miles in the City and 1.16
in the North County Study Area.

33,638 transit‐dependent households are not within walking distance of a full
‐service grocer; any store within a 1/2 mile is considered walkable.

Resident grocery expenditures and full‐service grocery revenues are closely
matched in the City and North County Study Area as a whole. Study Area
residents spend $941 million on groceries annually.
Execuuve Summary
Market Size, Strength & Potenual

In twelve of the subareas, there is unmet demand for grocery access totaling
$42 million. In Spanish Lake CDP, the Central Business District and Marun
Luther King subareas roughly one third of spending is not being captured
within the trade area.

Financial Services

The DrillDown finds the St. Louis Study Area has a high concentrauon of
pawnshops, payday lenders and check cashers (nontradiuonal lenders), with
145 of these businesses compared to 159 tradiuonal financial insutuuons
(banks and credit unions).

In the Northern County Study Area, there are 75% more nontradiuonal
lenders per household than in the City of St. Louis, with 6.3 nontradiuonal
lenders per 10,000 households, compared to 3.6 in the City of St. Louis.

Forty‐seven percent of Study Area residents live closer to a nontradiuonal
lender than to a bank.

The DrillDown esumates a substanual poruon of St. Louis Study Area
residents may be underbanked, signaled by 35 percent of households lacking
an associated credit record with any of the three major credit bureaus.


FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
10
 
Beginning with the premise that a significant reason for inner‐city
disinvestment is lack of good market informauon, Social Compact
developed the Neighborhood Market DrillDown to address key
barriers to private investment in and around inner‐city
neighborhoods. In communiues across the country, the
neighborhood market analyses provided to local governments,
community organizauons and businesses have auracted
investment to the benefit of undervalued neighborhoods. These
analyses provide alternauve assessments of populauon, income
and housing that do not rely on outdated and potenually
inaccurate decennial census data.

The DrillDown was established to provide up‐to‐date profiles of
market strength, stability and opportunity for small, dense, and
rapidly changing urban geographies. The DrillDown builds on
current, finely sieved market informauon drawn from a wide
spectrum of commercial, proprietary and local government
sources (e.g. tax assessor, building permit, and commercial credit
companies). Rather than relying on any one informauon set,
DrillDown findings surface from a combined body of data. These
findings, tested against supplemental data and the intuiuve
knowledge of local market leaders, serve as the foundauon for an
objecuve, systemauc analysis of business auributes.

The St. Louis Neighborhood Market DrillDown offers insights to opportuniues to
improve the economic access, health and quality of life.

SETTING THE VISION: A STAKEHOLDER‐DRIVEN DRILLDOWN

The St. Louis Neighborhood Market DrillDown iniuauve began in 2007, when the City
of Ferguson, North County Incorporated, and the Public Policy Research Center at
University of Missouri St. Louis contacted Social Compact about the possibility of
conducung a DrillDown analysis for the City of Ferguson and surrounding
communiues.

In March 2008, Mau Ashby of the Federal Reserve Community Development Office, at
the request of Congressman Wm. Lacy Clay, convened the first of many stakeholder
meeungs around the St. Louis Neighborhood Market DrillDown and the plan for
bringing Social Compact to St. Louis. These meeungs eventually resulted in a cross‐
sector, collaborauve effort, co‐chaired by Regional Housing and Community
Development Alliance and Housing and Community Soluuons, Inc., to conduct a joint
DrillDown of St. Louis City and North St. Louis County.

Introducuon

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
11
 

Introducuon

RHCDA
611 Olive Street, Suite 1641
St. Louis, MO 63101
314.231.9400
eleanor@rhcda.com
Social Compact
218 D Street SE, 2nd Floor
Washington, DC, 20003
202.547.2581
info@socialcompact.org
Housing and Community Soluuons, Inc.
245 Union Blvd., Suite L
St. Louis, MO 63108
314.367.3147
erics@housingandcommunitysoluuons.org
ST LOUIS FEDERAL RESERVE: DATA‐DRIVEN STRATEGIES

In October 2011, the Federal Reserve Bank of St. Louis convened nearly 200 par‐
ucipants to a symposium on neighborhood indicators and data‐driven strategies.

Parucipants came together in working sessions to develop a vision, define focus
areas, idenufy barriers, formulate soluuons and define next steps in the areas of
financial service access, food access, the business environment and philanthro‐
py.

Guest speakers included Alyssa Lee, Director of Social Compact; Tim Bray, Direc‐
tor of The Insutute for Urban Policy Research at the University of Texas at Dallas;
John Weidman, Deputy Execuuve Director of the Food Trust in Philadelphia; and
Trinita Logue, President of IFF in Chicago.

Addiuonal informauon and videos from the 2011 St. Louis Federal Reserve Drill‐
Down conference are available online: hup://www.stlouisfed.org.
COMMUNITY ENGAGEMENT: HARNESSING LOCAL INSIGHT & DEMOCRATIZING
DATA

In December 2011, Social Compact, RHCDA and Housing and Community Solu‐
uons, Inc. conducted 6 community meeungs across St Louis, with the dual pur‐
pose of collecung community input and sharing the DrillDown methodology with
community members. The meeungs focused on how Social Compact develops
its neighborhood profiles, the methodology behind the neighborhood indicators
and the use of these indicators in community development work.

The North City, South City and North County community meeungs focused on
the findings for each of the areas, with parucipauon from organizauons and indi‐
viduals living and/or working in each area. Two themauc meeungs were con‐
ducted, focusing on grocery and financial service indicators and findings.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
12
 

The St. Louis Neighborhood Market DrillDown Study Area
includes the City of St. Louis and North St. Louis County. The 25
subareas are listed below, and more detailed maps are
provided in the neighborhood snapshots at the end of the
report. The North County Study Area was selected to include
the St. Louis County's Neighborhood Stabilizauon Program
target areas and North County incorporated areas.
NOTE: The St. Louis Neighborhood Market DrillDown study area
neighborhoods are defined by census block group boundaries and may
therefore vary slightly from other more commonly known definiuons.
St. Louis County
0 5 10
Miles
Legend
City of St. Louis
St. Louis County
DrillDown Study Area
MSA Block Groups
City of St Louis
Study Area Overview

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
13
 
Market Size Indicators
DrillDown Populauon
MARKET SIZE figures indicate a neighborhood’s populauon of residenual
consumers, effecuvely describing neighborhood mass and density.
Market size is commonly underesumated in inner‐city neighborhoods
because measurements at the neighborhood level are oûen outdated or
inaccurate. Research has shown that the decennial census is suscepuble
to undercounung parucular areas due to incorrect informauon;
unreturned and incomplete surveys; and missed households and
individuals. Populauon undercounts are more likely to occur in low‐
income, predominantly minority, urban neighborhoods, where a larger
proporuon of residents may have language barriers, live in overcrowded
housing, and have greater mistrust of government.

Accurate measurements of market size underpin assessments of
investment and business potenual in neighborhoods. Social Compact’s
DrillDown uses data sources compiled on an annual basis to build its
profiles. As the basis for populauon and household esumates, the
DrillDown assembles a list of residenual addresses from municipal and
proprietary tax assessment records, municipal building permit records,
uulity hookups and credit bureau records.

703,213 670,437 717,650
DrillDown Census 2010
Census 2000
Study Area Populaon
DrillDown Total Population Ci ty of St Loui s 9.5%
% Above Census 2010 North County Study Area 0.7%
1 Cherokee 22.4% 14 Jenni ngs 5.5%
2 Fl ori ssant Corri dor 19.4% 15 Ferguson 5.4%
3 North Grand 18.9% 16 Jamestown 5.2%
4 Manchester 18.6% 17 North Broadway 4.6%
5 Marti n Luther Ki ng 15.9% 18 North Uni versi ty Ci ty 3.6%
6 Eucl i d 15.9% 19 Spani sh Lake CDP 2.5%
7 South Grand 13.8% 20 Hal l s Ferry/Chambers 2.2%
8 Natural Bri dge 12.7% 21 Hampton 1.6%
9 Overl and/Ri tenour 10.8% 22 Normandy School Di stri ct 1.3%
10 Ki ngshi ghway 9.5%
11 South Broadway 8.4%
12 West Ferguson 6.0%
13 Bel l efontai ne/Ri vervi ew 5.9% . .
Combining diverse datasets, the DrillDown assesses
market size in hard‐to‐count neighborhoods.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
14
 
Map 1 Study Area Populaon Density (Persons per Acre)
by Census Block Group
DrillDown Population Density Ci ty of St Loui s 8.8
(Persons per Acre) North County Study Area 4.0
1 South Grand 15.9 14 Manchester 6.9
2 Ki ngshi ghway 14.4 15 Hal l s Ferry/Chambers 6.7
3 Cherokee 12.8 16 Fl ori ssant 67 6.1
4 Eucl i d 12 17 Normandy School Di stri ct 5.8
5 South Broadway 11 18 Ferguson 5.7
6 Marti n Luther Ki ng 9.9 19 West Ferguson 5.6
7 Hampton 9.8 20 Bel l efontai ne/Ri vervi ew 5.3
8 Jenni ngs 8.6 21 Central Busi ness Di stri ct 5.1
9 Natural Bri dge 8.5 22 Fl ori ssant Corri dor 3.9
10 Central Grand 8.5 23 Jamestown 3.3
11 North Grand 8.4 24 North Broadway 2.7
12 North Uni versi ty Ci ty 7.9 25 Spani sh Lake CDP 1.7
13 Overl and/Ri tenour 7.2 . .
Density has long proven a compeuuve advantage typical to urban markets.
The block groups depicted in darker blue have greater populauon density.
The City of St. Louis and North County Study Area have a
combined populauon density nearly 7.8 umes that of the 8
county metro area.
Market Size Indicators
Populauon Density
 
Populauon Density (per acre)
.7 people per acre
8 county region
5.5 people per acre
Study Area South Grand
15.9 people per acre

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
15
 
Market Size Indicators
Tracking Change over Time
Postal service residenual delivery points provide an alternauve benchmark for
market size, with quarterly releases of data since 2008. Postal delivery points
roughly correspond to the tradiuonal definiuon of a household, and can thus
track market size over ume.
Residential Delivery Counts Ci ty of St Loui s 0.1%
2008 to 2010 North County Study Area ‐2.1%
1 Central Busi ness Di stri ct +12.8% 6 South Grand +2.0%
2 Central Grand +3.8% 7 North Broadway +0.5%
3 Cherokee +3.1% 8 Manchester +0.4%
4 Eucl i d +2.7% 9 North Grand +0.4%
5 South Broadway +2.6%
9 subareas grew between 2008 and 2010.
USPS Residenal Delivery Points; 2008 to 2010 Map 2
Change in residenual delivery points between 2008 and 2010. Blue colors reflect an
increase over ume, while red colors reflect a decrease.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
16
 
Market Strength Indicators
Income Density
MARKET STRENGTH/BUYING POWER figures address the populauon’s consumer potenual,
gauging purchasing power by esumaung aggregate income and income density and adjusung
these figures to account for the esumated monetary value of unregulated economic acuvity (or
the informal economy) within a neighborhood. Income esumates provided by the census, and
census derived projecuons, can be outdated and prone to well‐understood inaccuracies
resulung from self reported income. The DrillDown analysis incorporates the most recent
income esumates from the three major credit bureaus. When aggregated to the neighborhood
level, higher average household incomes result in concentrated buying power greater than
previously understood. Moreover, higher populauon density in inner‐city neighborhoods
translates into concentrated buying power that supersedes their suburban counterparts, even
in cases where average household incomes are comparauvely lower.

Informauon gaps and poor market data can drasucally influence the economic prospects of
neighborhoods, parucularly in low income areas where tradiuonal demographic data does not
accurately capture market potenual. Accurate measurements of a community’s total economic
acuvity may auract new investment and assist policy makers in idenufying those barriers that
prevent small and medium enterprises from entering the formal market. Increased informauon
on small businesses operaung in under‐regulated environments might encourage the
engagement of mainstream small business lenders.
DrillDown Income Density Ci ty of St Loui s $222,815
(Income per Acre) North County Study Area $91,099
1 Eucl i d $639,820 14 Fl ori ssant 67 $150,485
2 South Grand $419,863 15 Central Grand $133,033
3 Ki ngshi ghway $343,809 16 North Grand $123,112
4 Hampton $330,203 17 West Ferguson $119,486
5 Cherokee $219,375 18 Normandy School Di stri ct $116,209
6 South Broadway $209,983 19 Hal l s Ferry/Chambers $114,420
7 Manchester $193,280 20 Bel l efontai ne/Ri vervi ew $111,267
8 North Uni versi ty Ci ty $172,877 21 Ferguson $106,011
9 Marti n Luther Ki ng $163,209 22 Jamestown $97,217
10 Jenni ngs $157,674 23 Fl ori ssant Corri dor $65,724
11 Overl and/Ri tenour $157,010 24 North Broadway $48,498
12 Central Busi ness Di stri ct $156,034 25 Spani sh Lake CDP $38,802
13 Natural Bri dge $152,595 . .
Challenging percepuons
Many of the neighborhoods with the greatest market strength are
underesumated by tradiuonal income indicators.
Study Area
South Grand
Ki ngshi ghway
Cherokee
South Broadway
Manchester
Marti n Luther Ki ng
Aggregate Income Density
$19,741
8 county region
$131,851
Study Area
Income Density (per acre)
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
$$$$$$$$$$$$$$$$$
For every $10 per acre in the 8 country metro area,
there are $67 in the Study Area.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
17
 
Market Strength Indicators
Aggregate Income
$
$
$8,880 Million $6,448 Million
DrillDown Tradional Esmate
City of St Louis
Aggregate Household Income
DrillDown Aggregate Household Income Ci ty of St Loui s 36.9%
% Above Trad Est 2011 North County Study Area 6.5%
1 Eucl i d 81.6% 13 Overl and/Ri tenour 18.5%
2 Fl ori ssant Corri dor 80.8% 14 Bel l efontai ne/Ri vervi ew 16.9%
3 North Grand 67.7% 15 Jamestown 15.9%
4 Cherokee 63.7% 16 Jenni ngs 12.2%
5 Manchester 60.7% 17 Spani sh Lake CDP 10.8%
6 South Grand 47.9% 18 Hal l s Ferry/Chambers 10.8%
7 Marti n Luther Ki ng 44.2% 19 Normandy School Di stri ct 9.7%
8 Natural Bri dge 43.2% 20 West Ferguson 9.2%
9 South Broadway 38.5% 21 Central Grand 6.5%
10 Ki ngshi ghway 31.1% 22 Ferguson 5.8%
11 North Broadway 27.4% 23 North Uni versi ty Ci ty 5.4%
12 Hampton 20.9%
Map 3 Study Area Income Density (Income per Acre)
by Census Block Group
Aggregate household income exceeds the 2011 tradiuonal
market esumate by 36.9% in the City.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
18
 
Market Strength Indicators
Informal Economy
Informal Economy
Tradiuonal market analysis models used by retailers and financial insutuuons overlook the sig‐
nificant buying power generated by the local informal economy and underesumate the market
strength of areas with a vibrant informal economy. Unregulated economic acuvity, thought to
be missed by tradiuonal income esumates, may include a range of economic acuviues, such as
family businesses employing unpaid family workers, informal enterprises, street vendors, day
laborers, street arusts and home workers.

By weighung the following proxies, the DrillDown esumates the monetary value of unregulated
economic acuvity: households with income below $30,000; difference between household in‐
come and household expenditures; the percentage of households with no credit record; the
number of nontradiuonal financial service providers per household and per acre; the difference
between esumated housing costs and real home values; and the percent foreign born popula‐
uon. The DrillDown average household income esumate is adjusted to include the proporuon of
neighborhood income auributed to informal economic acuvity; median household income is
not.
DrillDown % Informal Economy Ci ty of St Loui s 5.5%
North County Study Area 3.3%
1 Fl ori ssant Corri dor 11.7% 14 Normandy School Di stri ct 4.4%
2 North Grand 11.5% 15 Hampton 4.3%
3 Central Busi ness Di stri ct 11.0% 16 Hal l s Ferry/Chambers 4.2%
4 Manchester 7.8% 17 North Uni versi ty Ci ty 4.0%
5 Cherokee 7.7% 18 Jenni ngs 3.9%
6 Marti n Luther Ki ng 7.3% 19 North Broadway 3.9%
7 Central Grand 7.2% 20 Ferguson 3.6%
8 Eucl i d 6.7% 21 West Ferguson 3.4%
9 South Grand 6.0% 22 Fl ori ssant 67 2.9%
10 Ki ngshi ghway 5.4% 23 Bel l efontai ne/Ri vervi ew 2.3%
11 South Broadway 5.0% 24 Spani sh Lake CDP 2.1%
12 Natural Bri dge 5.0% 25 Jamestown 1.3%
13 Overl and/Ri tenour 4.5% . .
Market strength bolstered by an esumated $713
million in informal economic acuvity, represenung
4.4% of aggregate income.
$713 M
$458 M
$255 M
Study Area
City of St. Louis
North County
Study Area

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
19
 
Market Strength Indicators
Comparison with Tradiuonal Esumates
DrillDown Median Household Income Ci ty of St Loui s 23.3%
% Above Trad Est 2011 North County Study Area ‐1.6%
1 Eucl i d 55.0% 10 Manchester 19.5%
2 North Grand 41.8% 11 Ki ngshi ghway 18.6%
3 Marti n Luther Ki ng 35.9% 12 Central Grand 17.5%
4 North Broadway 31.6% 13 Hampton 12.8%
5 Fl ori ssant Corri dor 31.3% 14 Spani sh Lake CDP 2.9%
6 Cherokee 31.2% 15 Bel l efontai ne/Ri vervi ew 2.4%
7 South Broadway 29.2% 16 Jenni ngs 2.1%
8 South Grand 27.0% 17 Normandy School Di stri ct 1.6%
9 Natural Bri dge 22.9%
DrillDown Average Household Income Ci ty of St Loui s 23.7%
% Above Trad Est 2011 North County Study Area 5.0%
1 Eucl i d 57.0% 13 Central Grand 14.8%
2 Fl ori ssant Corri dor 38.9% 14 Normandy School Di stri ct 9.1%
3 Manchester 37.7% 15 Hal l s Ferry/Chambers 8.4%
4 Cherokee 35.7% 16 Jamestown 8.2%
5 North Grand 35.1% 17 Bel l efontai ne/Ri vervi ew 7.9%
6 South Grand 31.9% 18 Overl and/Ri tenour 6.6%
7 South Broadway 30.3% 19 Jenni ngs 5.3%
8 Natural Bri dge 22.7% 20 Fl ori ssant 67 5.0%
9 North Broadway 20.8% 21 Spani sh Lake CDP 4.7%
10 Hampton 20.3% 22 West Ferguson 3.4%
11 Marti n Luther Ki ng 19.5% 23 North Uni versi ty Ci ty 2.2%
12 Ki ngshi ghway 19.4% 24 Ferguson 0.7%
True incomes may be substanually higher than
tradiuonal market studies indicate. Tradiuonal
income esumates can underesumate incomes in
parucular communiues. The DrillDown esumates
income using credit bureau income esumates, based
on transacuonal data, augmented by the informal
economy esumate.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
20
 
Market Strength Indicators
New Home Buyer Income
Map 4 Average Income of New Home Buyers, 2010
Average household income of new home buyers (who purchased homes for primary
residence in 2010).
Average Income of New Home Buyers (2006 ‐ 2010) Ci ty of St Loui s 120%
% Above Census 2000 Average Income North County Study Area 8%
1 Central Busi ness Di stri ct 342% 8 South Grand 134%
2 Central Grand 322% 9 Marti n Luther Ki ng 125%
3 Fl ori ssant Corri dor 226% 10 South Broadway 89%
4 Eucl i d 225% 11 Ki ngshi ghway 66%
5 Manchester 178% 12 Natural Bri dge 48%
6 North Grand 152% 13 Hampton 38%
7 Cherokee 150%
Census 2000 income values are not adjusted for inflauon.
Average Income of New Home Buyers (2006 ‐ 2010) Ci ty of St Loui s $68,625
North County Study Area $48,976
1 Eucl i d $138,575 14 South Broadway $47,869
2 Central Busi ness Di stri ct $97,851 15 Spani sh Lake CDP $47,000
3 Central Grand $85,243 16 North Grand $46,377
4 Manchester $79,125 17 Overl and/Ri tenour $43,321
5 South Grand $75,098 18 Normandy School Di stri ct $43,056
6 Hampton $63,791 19 Ferguson $41,513
7 Jamestown $61,320 20 West Ferguson $41,398
8 North Uni versi ty Ci ty $55,475 21 Bel l efontai ne/Ri vervi ew $39,497
9 Ki ngshi ghway $55,445 22 Hal l s Ferry/Chambers $39,129
10 Cherokee $52,391 23 Jenni ngs $37,774
11 Marti n Luther Ki ng $51,668 24 North Broadway $37,255
12 Fl ori ssant Corri dor $51,406 25 Natural Bri dge $36,667
13 Fl ori ssant 67 $49,928 . .
The average income of home buyers provides an alternauve insight into com‐
munity income. While the data cannot differenuate between new residents
moving into the area and current residents buying a home, in many cases it
can be an indicauon of neighborhood change.
In 8 subareas, the average income of recent home buyers was
twice the average income of area residents in 2000 (real dollars) .

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
21
 
Market Stability Indicators
Home Ownership
MARKET STABILITY/RISK indicators further gauge the viability of business investment in a neighborhood; assessing
the presence of community stakeholders and demonstraung trends in real estate property values. Through an
esumauon of owner occupied units and buildings, the DrillDown assesses homeownership, a factor widely
thought to increase individual investment in a community. Since a greater proporuon of urban housing stock is
mulu‐unit or mulu‐family, when compared to suburban housing, Social Compact assesses owner occupancy by
building and in so doing reveals a greater number of neighborhood stakeholders. For example, a resident who
owns a three unit building may live in one unit while renung out the other two; owner occupancy measured by
unit is 33 percent; whereas occupancy by building is 100 percent.
DrillDown Owner Occupancy Ci ty of St Loui s 62.0% 32.2%
by Building and Unit North County Study Area 76.3% 66.6%
1 Jamestown 89.6% 76.4% 14 South Grand 63.2% 38.2%
2 Fl ori ssant 67 86.6% 76.0% 15 Jenni ngs 62.8% 31.0%
3 Hampton 80.1% 72.3% 16 Eucl i d 61.3% 30.4%
4 Spani sh Lake CDP 79.1% 68.5% 17 Central Busi ness Di stri ct 56.6% 30.3%
5 North Uni versi ty Ci ty 76.0% 68.2% 18 South Broadway 55.6% 26.1%
6 Overl and/Ri tenour 75.2% 65.6% 19 Natural Bri dge 52.3% 25.0%
7 Ferguson 73.9% 62.4% 20 Manchester 52.0% 21.6%
8 Bel l efontai ne/Ri vervi ew 72.3% 62.2% 21 Central Grand 48.3% 19.5%
9 West Ferguson 71.9% 62.0% 22 Marti n Luther Ki ng 47.6% 19.1%
10 Ki ngshi ghway 69.6% 60.0% 23 Cherokee 42.4% 12.0%
11 Normandy School Di stri ct 64.9% 58.2% 24 North Grand 41.3% 8.7%
12 Hal l s Ferry/Chambers 64.2% 55.7% 25 Fl ori ssant Corri dor 41.1% 5.7%
13 North Broadway 63.9% 44.8% . .
An alternauve lens on ownership for
neighborhoods with mulu‐family dwell‐
ings shows greater market stability.
Study Area Home Ownership
47%
70%
DRILLDOWN
ESTIMATE
(BY BUILDING)
Small building occupied by
one or more owners
Or, 50% ownership in large
buildings
TRADITIONAL
ESTIMATE
(BY UNIT)

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
22
 
Market Stability Indicators
Business Trends
12 subareas saw the number of businesses grow
between 2008 and 2010.
Business Delivery Counts Ci ty of St Loui s 1.1%
2008 to 2010 North County Study Area ‐5.3%
1 Central Grand 8.2% 13 Jenni ngs ‐0.4%
2 South Broadway 6.2% 14 South Grand ‐1.1%
3 Central Busi ness Di stri ct 6.1% 15 West Ferguson ‐1.4%
4 Eucl i d 3.9% 16 Normandy School Di stri ct ‐2.2%
5 Spani sh Lake CDP 3.2% 17 Marti n Luther Ki ng ‐2.6%
6 North Broadway 2.3% 18 Natural Bri dge ‐3.2%
7 Cherokee 2.1% 19 Bel l efontai ne/Ri vervi ew ‐3.4%
8 Ferguson 2.1% 20 Manchester ‐4.0%
9 Hal l s Ferry/Chambers 0.9% 21 Fl ori ssant 67 ‐4.0%
10 North Grand 0.9% 22 Hampton ‐4.1%
11 Ki ngshi ghway 0.5% 23 Jamestown ‐6.5%
12 Fl ori ssant Corri dor 0.2% 24 North Uni versi ty Ci ty ‐7.7%
25 Overl and/Ri tenour ‐13.4%
The U.S. Postal Service Administrauon business delivery counts track changes in the number
of businesses quarterly. Overall, the number of businesses In the City of St. Louis is esumat‐
ed to have increased over the two‐year period, while the number of businesses in the North
County Study Area has decreased.
Change in the number of businesses between 2008 to 2010 for select
areas.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
23
 
Market Potenual Indicators
Retail Spending
MARKET POTENTIAL is characterized by market anomalies such as high incomes coupled with
inadequate financial services and unmet retail demand. While these anomalies may be
known intuiuvely by business leaders in a community, Social Compact’s DrillDown data
provides a more accurate foundauon for devising business auracuon strategies. Access to
tradiuonal financial services and fresh food are essenual components of comprehensive
community development, yet many mainstream financial insutuuons and supermarkets tend
not to invest in the inner city as they are largely unaware of the economic potenual. As a
result, many inner city neighborhoods have fewer tradiuonal financial insutuuons and
grocery stores per capita when compared to suburban neighborhoods.
Challenging percepons
Tradiuonal esumates of market potenual, which rely on median household income,
undervalue many areas that have higher retail spending density. The table below illustrates
this by including a comparauve ranking of the subareas by median household income (lower
rank indicates lower median household income). Several subareas with lower median
household incomes, have higher spending power.
Map 5 Resident Retail Spending per Acre
Resident Retail Spending per Acre Ci ty of St Loui s $53,814
(Median Household Income Rank) North County Study Area $22,209
1 Eucl i d $118,371
(10)
14 Central Grand $36,047
(20)
2 South Grand $99,164 (14) 15 Fl ori ssant 67 $35,802 (2)
3 Ki ngshi ghway $88,720 (12) 16 North Grand $34,641 (25)
4 Hampton $74,760
(3)
17 Hal l s Ferry/Chambers $30,483
(11)
5 Cherokee $58,341
(22)
18 Normandy School Di stri ct $30,155
(15)
6 South Broadway $56,925 (19) 19 West Ferguson $29,688 (5)
7 Manchester $45,598
(16)
20 Ferguson $28,083
(8)
8 Marti n Luther Ki ng $45,379
(23)
21 Bel l efontai ne/Ri vervi ew $27,828
(6)
9 North Uni versi ty Ci ty $43,930
(7)
22 Jamestown $20,988
(1)
10 Jenni ngs $42,267
(17)
23 Fl ori ssant Corri dor $17,913
(24)
11 Natural Bri dge $41,893
(21)
24 North Broadway $12,701
(18)
12 Overl and/Ri tenour $40,530
(9)
25 Spani sh Lake CDP $9,403
(4)
13 Central Busi ness Di stri ct $37,589
(13)
.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
24
 
Market Potenual Indicators
Retail Leakage
The DrillDown quanufies unmet market demand—or
“leakage”—as the difference between retail revenue and
esumated resident expenditures. This calculauon, coupled with
buying power and aggregate income esumates, can be used to
demonstrate and promote opportuniues for full‐service grocery
stores, financial services development and other neighborhood
services in underserved communiues.

A posive leakage number means residents’ aggregate
expenditures exceed retail business’ revenues in the area of
analysis, suggesung unmet demand.

A negave leakage number means retail business revenues
exceed residents’ aggregate expenditures in the area of analysis
and implies that area businesses auract customers from beyond
the area of analysis. Negauve leakage may indicate the presence
of a shopping district or other retail desunauon (such as a
commercial corridor or shopping mall) or may be the result of
significant visitor and tourist retail spending. However, an
esumate of zero or negauve leakage does not necessarily imply
that neighborhood residents are sufficiently retailed, rather that
parucular demand is not revealed through broad aggregate
numbers.

An analysis of neighborhood leakage as a proporuon of
residents’ total spending provides greater insight into the ebb
and flow of dollars to and from a neighborhood. A posiuve
percentage represents the proporuon of residents’ spending
esumated to leave the area. Neighborhoods where retail
leakage is presented as a high proporuon of residents’ total
spending, regardless of the absolute dollar amount, are those
areas demonstraung sizable unmet demand with respect to that
neighborhood populauon.
$$$ 1 out of every 3 retail dollars is unmet.
$615 million in unmet retail demand within the City.
Retail Leakage Ci ty of St Loui s $615.4 M
% of Spending Unmet North County Study Area ‐$762.5 M
1 Marti n Luther Ki ng $112.4 M 65% 14 Fl ori ssant Corri dor ‐$4.1 M
2 South Grand $102.6 M 64% 15 Jamestown ‐$16.8 M
3 Normandy School Di stri ct $90.4 M 53% 16 North Grand ‐$18.1 M
4 Bel l efontai ne/Ri vervi ew $54.5 M 51% 17 Ki ngshi ghway ‐$38.4 M
5 Hampton $32.2 M 49% 18 Eucl i d ‐$39.5 M
6 North Broadway $30.5 M 49% 19 North Uni versi ty Ci ty ‐$43.9 M
7 Cherokee $30.3 M 46% 20 Central Busi ness Di stri ct ‐$61.6 M
8 Spani sh Lake CDP $28.4 M 29% 21 Hal l s Ferry/Chambers ‐$105.8 M
9 Jenni ngs $24.0 M 25% 22 West Ferguson ‐$110.0 M
10 Central Grand $21.0 M 24% 23 Overl and/Ri tenour ‐$118.5 M
11 Manchester $17.5 M 18% 24 Ferguson ‐$133.7 M
12 Natural Bri dge ‐$2.5 M 25 Fl ori ssant 67 ‐$412.8 M
13 South Broadway ‐$3.7 M . . .
Defining leakage for a subarea:
MLK
$176 M Total resident spending
$64 M Retail revenue in the area
$112 M Leakage out of MLK boundary


FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
25
 
Market Potenual Indicators
Restaurant and Apparel Leakage
14 subareas have unmet demand for
restaurants
$123 million is spent outside the
Study Area on apparel
Apparel Leakage Ci ty of St Loui s $125.1 M
% of Spending Unmet North County Study Area ‐$1.7 M
1 Overl and/Ri tenour $21.1 M 97% 14 Cherokee $4.0 M 44%
2 Marti n Luther Ki ng $14.1 M 96% 15 Manchester $3.1 M 41%
3 Normandy School Di stri ct $12.9 M 94% 16 Fl ori ssant Corri dor $2.8 M 40%
4 Hampton $10.9 M 92% 17 Central Grand $2.7 M 36%
5 South Broadway $10.8 M 91% 18 Fl ori ssant 67 $2.7 M 33%
6 Bel l efontai ne/Ri vervi ew $10.3 M 84% 19 Jenni ngs $2.6 M 30%
7 Spani sh Lake CDP $10.2 M 75% 20 North Uni versi ty Ci ty $2.4 M 18%
8 South Grand $9.2 M 69% 21 Natural Bri dge $1.7 M 8%
9 Jamestown $8.9 M 69% 22 Hal l s Ferry/Chambers ‐$1.0 M
10 West Ferguson $7.4 M 66% 23 North Grand ‐$2.9 M
11 Eucl i d $7.2 M 63% 24 Central Busi ness Di stri ct ‐$6.5 M
12 Ki ngshi ghway $4.5 M 63% 25 Ferguson ‐$9.0 M
13 North Broadway $4.2 M 48% . .
$$$ 1 out of 3 dollars spent
on apparel is uncaptured
Restaurant Leakage Ci ty of St Loui s ‐$110.2 M
% of Spending Unmet North County Study Area ‐$76.5 M
1 Jamestown $21.3 M 70% 15 Hal l s Ferry/Chambers ‐$.2 M
2 Marti n Luther Ki ng $19.7 M 66% 16 North Uni versi ty Ci ty ‐$1.8 M
3 Normandy School Di stri ct $15.1 M 63% 17 Ki ngshi ghway ‐$1.9 M
4 Bel l efontai ne/Ri vervi ew $12.2 M 55% 18 Ferguson ‐$5.1 M
5 South Grand $8.6 M 53% 19 Overl and/Ri tenour ‐$5.6 M
6 Jenni ngs $8.5 M 52% 20 Manchester ‐$11.1 M
7 Spani sh Lake CDP $7.8 M 40% 21 Central Grand ‐$16.6 M
8 South Broadway $5.6 M 39% 22 Eucl i d ‐$19.2 M
9 North Broadway $4.3 M 36% 23 Hampton ‐$22.5 M
10 Cherokee $4.2 M 29% 24 Fl ori ssant 67 ‐$62.9 M
11 West Ferguson $4.0 M 28% 25 Central Busi ness Di stri ct ‐$117.7 M
12 Fl ori ssant Corri dor $2.4 M 26%
13 North Grand $1.3 M 19% . .
14 Natural Bri dge $.2 M 1.3%

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
26
 
Market Potenual Indicators
Financial Services
Map 10 Banks
Barr, M. (2004). Banking the Poor: Policies to Bring Low‐Income Americans Into the Financial
Mainstream. The Brookings Insutuuon: Washington, DC.
King, U., Parrish, L. & Tanik, O. (November 2006). Financial Quicksand: Payday lending sinks
borrowers in debt with $4.2 billion in predatory fees every year. Center for Responsible Lending:
Durham, NC.
Limited access to tradiuonal banking and financial services has long been a
barrier to wealth creauon in marginalized communiues. This lack of access
oûen translates to higher costs for basic financial transacuons. Communiues
faced with a high presence of check cashing insutuuons, pay‐day loan centers
and other predatory financial services providers fall vicum to higher
transacuonal fees; one study found that “borrowers pay $4.2 billion every
year in excessive payday lending fees.”
47% of residents live closer to a nontradiuonal
lender than a bank.
The North County Study Area has 75% more nontradiuonal
lenders per household than the City.
Locauons per 10,000 households:
Banks Nontradiuonal
Lenders

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
27
 
Map 11
Market Potenual Indicators
Financial Services
Nontradional Financial Service Providers
(Pawnshops, Payday Lenders, Check Cashers)
Map depicts nontradiuonal financial service insutuuons (pawnshops, payday lenders
and check cashing establishments) in the study area only. Points may be overlapping.
1 out of 3 households lack a credit record.
% of Households Lacking Credit Histories Ci ty of St Loui s 43.7%
North County Study Area 25.1%
1 Eucl i d 65.1% 14 Ferguson 31.6%
2 Central Grand 63.0% 15 Hampton 31.1%
3 Central Busi ness Di stri ct 61.6% 16 North Broadway 29.6%
4 Manchester 50.5% 17 Normandy School Di stri ct 28.7%
5 Cherokee 49.1% 18 Spani sh Lake CDP 28.7%
6 Fl ori ssant Corri dor 48.1% 19 Jamestown 25.7%
7 North Grand 45.8% 20 West Ferguson 24.8%
8 South Grand 45.7% 21 Jenni ngs 24.0%
9 Ki ngshi ghway 43.9% 22 Bel l efontai ne/Ri vervi ew 23.5%
10 Marti n Luther Ki ng 43.4% 23 North Uni versi ty Ci ty 22.7%
11 South Broadway 41.7% 24 Hal l s Ferry/Chambers 22.3%
12 Natural Bri dge 35.8% 25 Fl ori ssant 67 14.6%
13 Overl and/Ri tenour 32.1% . .
In some cases, the lack of a credit record ued to a residence may indicate a new resident,
rather than a lack of a credit history. Therefore, areas with an substanual influx of new
residents may show a larger percentage of households without an associated credit record.


Saint Louis Grocery Gap

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
29
 
Social Compact idenufied 84 full‐service grocers in the Study Area.
Grocery Gap
Background
5 iniaves changing the face of food in St Louis:
St. Louis Healthy Corner Store Project works to add healthy opuons to the
food available at small corner stores and markets in the City, primarily in
neighborhoods without adequate supermarkets or other sources of afford‐
able healthy food. Working with neighborhood leadership groups and cor‐
ner store owners, the St. Louis Healthy Corner Store Project will help for‐
mulate a comprehensive approach that combines nutriuon educauon, small
business management, neighborhood leadership and greater availability of
affordable, healthy food.

IFF grocery store financing is working to bridge the grocery financing gap in
St. Louis. As part of the federal Healthy Food Financing Iniuauve grant, IFF
will fund retail projects to improve access to healthy foods in low‐income
neighborhoods classified as "food deserts" in five states. IFF is now under‐
taking work with grocers in St Louis to support the development of full‐
service, for‐profit grocery stores in St Louis’ food deserts.

St Louis Food Council was established during the St. Louis Regional Food
Summit in 2010 to promote a just, equitable and sustainable local food sys‐
tem in St. Louis.

Old North Co‐op opened in 2010 as a response to resident aspirauons for
higher quality grocery stores in an area that had been considered a food
desert. The Co‐op was opened with funding and support from the Missouri
Department of Agriculture, the Missouri Foundauon for Health, city agen‐
cies, Washington University and the University of Missouri Extension pro‐
gram.

Maude’s Market takes an innovauve approach to neighborhood grocery,
combining the fresh, local produce of Community Supported Agriculture
(CSA) with the convenience of a neighborhood corner store. Opened in
2010, the market buys produce from over four dozen farmers and other
local producers. The CSA model allows Maude’s Market to stock fresh veg‐
etables, while ensuring minimal product waste and a steady customer base.
An absence of affordable, quality food does not necessarily result from lack of market
demand and can lead to demonstrable health complicauons such as obesity, diabetes and
hypertension.
1
Understanding the demand for groceries in communiues is essenual to
development professionals and legislators as many urban areas have begun craûing
incenuves for grocers to locate in their communiues. DrillDown grocery indicators quanufy
both unmet grocery demand and grocery access within the community.

The DrillDown Grocery Gap analysis highlights market strength and opportunity. By
idenufying “criucal food access and market opportunity areas” – the analysis highlights
neighborhoods where unmet demand for services can signal condiuons prime for
investment, leveraging neighborhood assets as a strong foundauon for successful
economic development.

The Grocery Gap idenufies full‐service grocery stores in the Study Area using the following
criteria: stores that regularly stock fruits, vegetables, dairy, meat and breads.
1
Gallagher, M. (2006). Examining the Impact of Food Deserts on Public Health in Chicago.  
The Grocery Gap measures food access in two ways:
Distance: the average distance residents travel to their nearest grocery store.
Square Footage: the square footage of grocery store space available per resi‐
dent within a 10 minute drive.
Market Potenual: the amount of money residents spend outside of their area
due to lack of access. Where there are not enough grocery stores, residents will
buy groceries outside of their immediate area. The amount residents spend out‐
side of their area is leakage.
$
And then assesses what the market can support:

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
30
 
Map 6 Average Distance to Grocer
* Transit‐dependent: esumated number of households
without a car. Walking distance is defined as a 1/2 mile.
Average distance (by census block group) residents must
travel to reach the nearest full service grocer. The areas
depicted in dark blue are those where residents must travel
a greater distance to reach a full service grocer.
33,638 transit‐dependent households are not within walking
distance of a full‐service grocer.
*

North County Study Area City of St Louis
1.16 miles .5 miles
How far do residents travel to the nearest full‐service grocery store?
.74 miles
Walking
Distance
Grocery Gap
Distance to the Nearest Grocer
Average Distance to Nearest Full Service Grocer (mi) Ci ty of St Loui s 0.74
24%
(% Transit Dependent) North County Study Area 1.16 9%
1 Spani sh Lake CDP 1.58 7% 14 Marti n Luther Ki ng 0.76 37%
2 Jamestown 1.57
5%
15 South Broadway 0.75
26%
3 Normandy School Di stri ct 1.28 14% 16 North Broadway 0.72 25%
4 Hal l s Ferry/Chambers 1.19 12% 17 Hampton 0.70 11%
5 Manchester 1.10
22%
18 Natural Bri dge 0.67
31%
6 Overl and/Ri tenour 1.01
10%
19 Fl ori ssant Corri dor 0.67
38%
7 Ferguson 0.99
9%
20 Ki ngshi ghway 0.63
19%
8 Bel l efontai ne/Ri vervi ew 0.94
18%
21 North Uni versi ty Ci ty 0.55
12%
9 Jenni ngs 0.94
5%
22 North Grand 0.44
46%
10 Fl ori ssant 67 0.90
8%
23 South Grand 0.43
22%
11 Central Grand 0.90 39% 24 Eucl i d 0.42 28%
12 West Ferguson 0.89
8%
25 Cherokee 0.42
37%
13 Central Busi ness Di stri ct 0.82
36%
.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
31
 
Map 7 Grocery Square Feet per Capita
Currently, full service grocers in the St. Louis Study Area provide an average of 3.23 sq. û.
of grocery retail space per person within a ten minute drive.
A 2008 survey of nauonal retailers, conducted by Social Compact in partnership with the Internauonal Coun‐
cil of Shopping Centers (ICSC)
1
, revealed that a trade area may be considered underserved when the grocery
store space servicing one person is less than 3 square feet.
Social Compact looks at the available full service grocer square footage within a ten minute drive‐ume.
Grocery Gap
Grocery Square Footage per Person
3.0

45% of St. Louis residents have less than 3 sq û of grocery per person
3 sq û per person in a 10 minute drive
is a good benchmark for access
3 SQ FT
3.4
North County
3.1
City
square feet per person
Full‐service grocery square feet within a 10 minute drive.
The areas depicted in red and orange are those where the
available sq. û. per person is less and may be considered
underserved.
1
Social Compact (2008). Inside Site Selecuon: Retailers’ search for strategic business locauons. ICSC Research Review. 
Grocery Square Feet per Person Ci ty of St Loui s 2.8
(10 minute drive) North County Study Area 3.3
1 Fl ori ssant Corri dor 1.1 7 North Broadway 2.2
2 North Grand 1.5 8 Bel l efontai ne/Ri vervi ew 2.3
3 Natural Bri dge 1.8 9 Cherokee 2.3
4 Central Busi ness Di stri ct 1.8 10 South Broadway 2.5
5 Spani sh Lake CDP 1.9 11 Jamestown 2.7
6 Marti n Luther Ki ng 2.0 12 Eucl i d 2.9
1.1
Florissant Corridor

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
32
 
Map 8 Grocery Expenditure Leakage

The map to the leû depicts the grocery leakage in a 10 minute drive from the blockgroup center. Leakage is
characterized as the poruon of residents’ grocery expenditures not captured by full service grocers—and
thus represents missed market opportunity.
Yellow indicates those block groups with no grocery leakage‐‐meaning that grocery retailers auract customer
spending from within as well as beyond the immediate area. Areas in blue are those where residents’ gro‐
cery expenditures exceed full service grocers’ revenues. Darker blue indicates greater leakage.
The seven subareas listed below demonstrate unmet demand, with expenditures exceeding revenues within
the 10 minute trade area. These areas do not necessarily represent grocery trade areas, but serve as a tool
to focus discussion about food access at the local level.

Residents spend $941 million on groceries.

Grocery Gap
Resident Spending
Grocery Leakage Ci ty of St Loui s ‐$75.3 M
% of Spending Unmet North County Study Area ‐$69.5 M
1 Spani sh Lake CDP $9.2 M 35%
2 Central Busi ness Di stri ct $7.2 M 31%
3 Marti n Luther Ki ng $6.2 M 29%
4 Bel l efontai ne/Ri vervi ew $4.7 M 19%
5 South Broadway $4.7 M 18%
6 Fl ori ssant Corri dor $2.5 M 17%
7 Normandy School Di stri ct $2.4 M 16%
8 Natural Bri dge $1.7 M 12%
9 North Broadway $1.5 M 8%
10 North Grand $1.1 M 8%
11 Cherokee $1.1 M 8%
12 Jamestown $.4 M 5%
Grocery trade area:
Leakage is calculated within 10
minute drive of each blockgroup.
10 min drive
 
12 subareas have unmet grocery demand.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
33
 
Map 9 Populaon Density of
Crical Food Access Areas
The map on the leû depicts blockgroups where two access indicators converge, highlighung block groups
where:

(1) the average square feet of available grocery retail space per person is below the study area av‐
erage; and

(2) residents travel a distance greater than the study area average to reach a full‐service grocer.

Characterized as “food opportunity areas,” these block groups are considered underserved and repre‐
sent areas where food retail strategies may be necessary.
Grocery Gap
Criucal Food Access Areas
24% of St Louis residents live in ceitictt rooc tccrss terts, areas
considered underserved when compared to the Study Area as a whole.

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
34
 
Map 10 Populaon Density of Food Market
Opportunity Areas
19% of St. Louis residents reside in areas considered underserved,
yet demonstrate market potenual to support addiuonal grocery retail
development. These areas are characterized as ceitictt rooc utekrt
orroetuuit\ terts.

The map on the leû depicts blockgroups where all three of Social Compact’s grocery gap indicators
converge, highlighung block groups that are underserved (as defined on the previous page) and have
unmet grocery expenditures

These areas are not only considered underserved when compared to the study area as a whole, but also
demonstrate demand for food retail and market potenual (signaled by grocery leakage) to support
addiuonal grocery store development. It is important, however, that food retail strategies be tailored to
the specific condiuons of each neighborhood and align with the city’s long‐term land use vision.
Community Focus on Food: Choice, Availability and Sustainability

Connecng the local loop: linking urban residents, businesses, schools and insutuuons to rural farm‐
ers and local producers.

Supporng grocers: helping corner stores to carry fresh produce; auracung larger full‐service gro‐
cers into high need areas.

Supporng residents: encouraging residents to make healthy food choices.

Re‐envision land use and zoning: formulaung policies to support local growers, producers, grocers
and communiues to sustainably improve food access across the region.

Innovaon: creaung new models of food access with urban gardens, mobile refrigerated grocer
trucks, grocery delivery to reach high‐need residents, etc.

Summarized from the October 2011 Federal Reserve DrillDown Grocery Session
Grocery Gap
Criucal Food Market Opportunity Areas

FAQ—p. 34, Glossary & Sources—p. 90.
St. Louis DrillDown
SocialCompact
35
 
Frequently Asked Quesuons
RHCDA
611 Olive Street, Suite 1641
St. Louis, MO 63101
314.231.9400
eleanor@rhcda.com
Social Compact
218 D Street SE, 2nd Floor
Washington, DC, 20003
202.547.2581
info@socialcompact.org
Q: What is the DrillDown?
A: The DrillDown is an assets‐based market analysis conducted by Social Compact
that combines numerous data sets, both public and private, nauonal and local, in
order to build a set of community economic indicators that are tailored to urban
markets. These indicators can be used to more accurately describe the size
(populauon), strength (income and buying power), stability (homeownership and
residenual investment) and potenual (unmet demand and investment opportunity) of
a given market.

Q: How is the DrillDown different from a tradional market analysis?
A: Tradiuonal market analyses are oûen modeled from the decennial census, despite
growing evidence that the census undercounts low‐income and minority
neighborhoods at a higher rate than their wealthier counterparts. This undercount
contributes to the conunued undervaluing of the economic potenual of urban
communiues, many of them underserved. In contrast, rather than relying on any one
dataset, the DrillDown indicators surface from a combined body of data from a wide
spectrum of sources. Tested against the intuiuve knowledge of local pracuuoners and
business leaders in hundreds of neighborhoods across the country, the DrillDown has
a proven track record of accurately capturing market characterisucs in small, dense,
and rapidly changing urban geographies.

Q: Who are the DrillDown partners and funders?
A: The St. Louis Neighborhood Market DrillDown is a collaborauon co‐chaired by
Regional Housing & Community Development Alliance (RHCDA) and Housing and
Community Soluuons, Inc. Funding was provided by RHCDA, the PNC Foundauon,
Commerce Bank, US Bank, an Anonymous St. Louis family foundauon and St. Louis
County. Addiuonal data support was provided by the City of St. Louis and AmerenUE.
The Federal Reserve Bank of St. Louis and and Congressman Wm. Lacy Clay were the
conveners of the St. Louis Neighborhood Market DrillDown.






Q: Who is the DrillDown for and how can they use it?
A: The DrillDown can serve as a resource to nonprofit and community organizauons,
local businesses, government and private sector decision makers. DrillDown
indicators have been used to inform: current and future community and economic
development iniuauves; neighborhood revitalizauon plans; retail auracuon and small
business development; and expanding access to grocery providers and tradiuonal
banking and financial services.


Q: What is a DrillDown market profile?
A: In addiuon to this report, DrillDown indicators are also available in the form of a
two‐page detailed market profile, or “snapshot,” for individual neighborhood
markets.

Q: Can I get a DrillDown market profile (“snapshot”) of my neighborhood/
community?
A: Yes. DrillDown indicators are available for the enure St. Louis Neighborhood
Market DrillDown study area. DrillDown snapshots can be provided for any
geography within the study area larger than one census block group. For more
informauon on how to obtain a DrillDown snapshot for an area of your choice, please
contact info@drilldownstl.org.

Q: Who do I contact for more informaon?
A: info@drilldownstl.org

Q: Where can I get a copy of the St. Louis Neighborhood Market DrillDown report?
A: The St. Louis DrillDown report is available at:
www.drilldownstl.org
www.socialcompact.org

Housing and Community Soluuons, Inc.
245 Union Blvd., Suite L
St. Louis, MO 63108
314.367.3147
erics@housingandcommunitysoluuons.org
Total Population 703,213 670,437 717,650 4.9%
Population per Acre 5.5 5.2 5.6  
Total Households 295,962 281,278 330,086 5.2%
USPS Residential Delivery Addr. '10 288,373
Average Household Income $57,051 $50,247 $37,735 13.5%
Median Household Income $42,062 $37,965 ‐ 10.8%
Aggregate Neighborhood Income $16,884.9 Million $14,015.4 Million $12,456.0 Million 20.5%
Aggregate Income per Acre $131,851 (6.7 times the metropolitan area income per acre* )
% Informal Economy 4.4%
% Owner Occupancy ‐ Unit 47% 55% 52%  
% Owner Occupancy ‐ Bldg 70%    
Median Home Sale Value $94,878 $88,551 ‐ 7.1%
Res New Cons Permits 2000 ‐ 2010** 6,850
Res Rehab Permits 2000 ‐ 2010** 62,622
2006 ‐ 2010 All Addresses ‐1.9% 2008 $62,012 64%
2008 ‐ 2010 Residential ‐1.0% 2009 $56,250 49%
2008 ‐ 2010 Commercial ‐1.4% 2010 $60,460 60%
Study Area
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 433 14.6 $940.8 million    
Full Service Grocers Only 84 2.8 3.1 0.92 mi   ‐$144.8 million ‐
Banks & Credit Unions 159 5.4   % of households lacking credit histories = 35%
Banks Only 114 3.9 0.86 mi
Nontraditional Lenders 145 4.9 0.86 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.39
All Retail $4,243.3 Million ‐$147.1 Million All Retail $4,096.3 Million
Apparel $272.7 Million $123.4 Million 363,447 Apparel $396.1 Million
Grocery  (within the area boundary) $999.5 Million Grocery $940.8 Million
Restaurants $875.7 Million ‐$186.7 Million ‐ Home Appliances $87.4 Million
Home Furnishings & Décor $525.1 Million
Housekeeping Supplies $171.7 Million
Music, Radio, Television $272.6 Million
All Businesses 19,948 $49,433.7 Million 337,927 Personal Care & Drug $301.4 Million
Micro Businesses (1 ‐ 5 Empl.) 12,324 $5,866.4 Million 33,230 Pets, Toys, Hobbies $168.9 Million
Small Businesses (6 ‐ 50 Empl.) 6,356 $16,945.4 Million 100,794 Reading $27.1 Million
Medium & Large Businesses (>50 Empl.) 1,009 $26,621.9 Million 203,903 Restaurants $688.9 Million
USPS Commercial Delivery Addr. '09 17,400 Public Transportation $124.3 Million
Resident Retail Spending per Acre $31,987
Study Area
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 349,509 319,294 347,722 9.5%
Population per Acre 8.8 8.1 8.8  
Total Households 156,436 142,057 176,357 10.1%
USPS Residential Delivery Addr. '10 145,991
Average Household Income $56,434 $45,616 $31,205 23.7%
Median Household Income $40,661 $32,981 ‐ 23.3%
Aggregate Neighborhood Income $8,828.3 Million $6,447.9 Million $5,503.2 Million 36.9%
Aggregate Income per Acre $222,815 (11.3 times the metropolitan area income per acre* )
% Informal Economy 5.5%
% Owner Occupancy ‐ Unit 32% 45% 39%  
% Owner Occupancy ‐ Bldg 62%    
Median Home Sale Value $104,680 $88,217 ‐ 18.7%
Res New Cons Permits 2000 ‐ 2010** 4,039
Res Rehab Permits 2000 ‐ 2010** 23,784
2006 ‐ 2010 All Addresses ‐1.2% 2008 $71,856 130%
2008 ‐ 2010 Residential 0.1% 2009 $65,789 111%
2008 ‐ 2010 Commercial 1.1% 2010 $72,513 132%
City of St Louis
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 223 14.3 $457.5 million    
Full Service Grocers Only 41 2.6 2.8 0.74 mi   ‐$75.3 million ‐
Banks & Credit Unions 89 5.7   % of households lacking credit histories = 44%
Banks Only 66 4.2 0.68 mi
Nontraditional Lenders 57 3.6 0.69 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.28
All Retail $1,516.8 Million $615.4 Million All Retail $2,132.2 Million
Apparel $81.5 Million $125.1 Million 368,437 Apparel $206.6 Million
Grocery  (within the area boundary) $452.8 Million Grocery $457.5 Million
Restaurants $467.6 Million ‐$110.2 Million ‐ Home Appliances $45.2 Million
Home Furnishings & Décor $273.7 Million
Housekeeping Supplies $89.5 Million
Music, Radio, Television $141.7 Million
All Businesses 11,656 $29,073.1 Million 223,017 Personal Care & Drug $157.0 Million
Micro Businesses (1 ‐ 5 Empl.) 7,178 $3,390.7 Million 19,454 Pets, Toys, Hobbies $87.5 Million
Small Businesses (6 ‐ 50 Empl.) 3,673 $10,744.0 Million 59,664 Reading $14.2 Million
Medium & Large Businesses (>50 Empl.) 607 $14,938.4 Million 143,899 Restaurants $357.4 Million
USPS Commercial Delivery Addr. '09 10,808 Public Transportation $65.1 Million
Resident Retail Spending per Acre $53,814
City of St Louis
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 353,704 351,143 369,928 0.7%
Population per Acre 4.0 4.0 4.2  
Total Households 139,526 139,221 153,729 0.2%
USPS Residential Delivery Addr. '10 142,382
Average Household Income $57,743 $55,005 $45,227 5.0%
Median Household Income $43,915 $44,611 ‐ ‐1.6%
Aggregate Neighborhood Income $8,056.6 Million $7,567.5 Million $6,952.7 Million 6.5%
Aggregate Income per Acre $91,099 (4.6 times the metropolitan area income per acre* )
% Informal Economy 3.3%
% Owner Occupancy ‐ Unit 67% 66% 66%  
% Owner Occupancy ‐ Bldg 76%    
Median Home Sale Value $69,489 $88,997 ‐ ‐21.9%
Res New Cons Permits 2000 ‐ 2010** 2,811
Res Rehab Permits 2000 ‐ 2010** 38,838
2006 ‐ 2010 All Addresses ‐2.7% 2008 $50,758 12%
2008 ‐ 2010 Residential ‐2.1% 2009 $45,642 1%
2008 ‐ 2010 Commercial ‐5.3% 2010 $46,903 4%
North County Study Area
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 210 15.1 $483.3 million    
Full Service Grocers Only 43 3.1 3.3 1.16 mi   ‐$69.5 million ‐
Banks & Credit Unions 70 5.0   % of households lacking credit histories = 25%
Banks Only 48 3.4 1.1 mi
Nontraditional Lenders 88 6.3 1.08 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.52
All Retail $2,726.6 Million ‐$762.5 Million All Retail $1,964.1 Million
Apparel $191.2 Million ‐$1.7 Million ‐ Apparel $189.5 Million
Grocery  (within the area boundary) $546.7 Million Grocery $483.3 Million
Restaurants $408.0 Million ‐$76.5 Million ‐ Home Appliances $42.2 Million
Home Furnishings & Décor $251.4 Million
Housekeeping Supplies $82.2 Million
Music, Radio, Television $130.9 Million
All Businesses 8,292 $20,360.5 Million 114,910 Personal Care & Drug $144.4 Million
Micro Businesses (1 ‐ 5 Empl.) 5,146 $2,475.7 Million 13,776 Pets, Toys, Hobbies $81.4 Million
Small Businesses (6 ‐ 50 Empl.) 2,683 $6,201.4 Million 41,130 Reading $13.0 Million
Medium & Large Businesses (>50 Empl.) 402 $11,683.5 Million 60,004 Restaurants $331.5 Million
USPS Commercial Delivery Addr. '09 6,592 Public Transportation $59.2 Million
Resident Retail Spending per Acre $22,209
North County Study Area
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 21,190 20,017 20,625 5.9%
Population per Acre 5.3 5.0 5.2  
Total Households 8,020 7,559 8,456 6.1%
USPS Residential Delivery Addr. '10 7,839
Average Household Income $55,249 $51,366 $42,704 7.6%
Median Household Income $44,274 $43,247 ‐ 2.4%
Aggregate Neighborhood Income $443.1 Million $379.2 Million $361.1 Million 16.9%
Aggregate Income per Acre $111,267 (5.6 times the metropolitan area income per acre* )
% Informal Economy 2.3%
% Owner Occupancy ‐ Unit 66% 70% 78%  
% Owner Occupancy ‐ Bldg 72%    
Median Home Sale Value $63,785 $78,714 ‐ ‐19.0%
Res New Cons Permits 2000 ‐ 2010** 74
Res Rehab Permits 2000 ‐ 2010** 3,034
2006 ‐ 2010 All Addresses ‐1.3% 2008 $40,555 ‐5%
2008 ‐ 2010 Residential ‐1.5% 2009 $37,012 ‐13%
2008 ‐ 2010 Commercial ‐3.4% 2010 $35,498 ‐17%
Bellefontaine/Riverview
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 12 15.0 $25.3 million    
Full Service Grocers Only 3 3.7 2.3 0.94 mi   $4.7 million 13,566
Banks & Credit Unions 2 2.5   % of households lacking credit histories = 23%
Banks Only 2 2.5 0.98 mi
Nontraditional Lenders 1 1.2 1.45 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.85
All Retail $56.3 Million $54.5 Million All Retail $110.8 Million
Apparel $0.3 Million $10.3 Million 30,411 Apparel $10.6 Million
Grocery  (within the area boundary) $32.4 Million Grocery $25.3 Million
Restaurants $6.4 Million $12.2 Million 52,230 Home Appliances $2.4 Million
Home Furnishings & Décor $14.0 Million
Housekeeping Supplies $4.6 Million
Music, Radio, Television $7.4 Million
All Businesses 205 $355.8 Million 3,894 Personal Care & Drug $8.2 Million
Micro Businesses (1 ‐ 5 Empl.) 127 $53.6 Million 349 Pets, Toys, Hobbies $4.5 Million
Small Businesses (6 ‐ 50 Empl.) 64 $137.7 Million 1,217 Reading $0.7 Million
Medium & Large Businesses (>50 Empl.) 13 $164.5 Million 2,328 Restaurants $18.6 Million
USPS Commercial Delivery Addr. '09 163 Public Transportation $3.2 Million
Resident Retail Spending per Acre $27,828
Bellefontaine/Riverview
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 10,841 13,720 8,284 ‐21.0%
Population per Acre 5.1 6.4 3.9  
Total Households 6,523 7,174 6,148 ‐9.1%
USPS Residential Delivery Addr. '10 7,229
Average Household Income $50,996 $53,861 $22,126 ‐5.3%
Median Household Income $27,742 $35,559 ‐ ‐22.0%
Aggregate Neighborhood Income $332.7 Million $398.8 Million $136.0 Million ‐16.6%
Aggregate Income per Acre $156,034 (7.9 times the metropolitan area income per acre* )
% Informal Economy 11.0%
% Owner Occupancy ‐ Unit 6% 18% 3%  
% Owner Occupancy ‐ Bldg 57%    
Median Home Sale Value $135,150 $92,040 ‐ 46.8%
Res New Cons Permits 2000 ‐ 2010** 200
Res Rehab Permits 2000 ‐ 2010** 726
2006 ‐ 2010 All Addresses 23.5% 2008 $108,055 388%
2008 ‐ 2010 Residential 12.8% 2009 $79,393 259%
2008 ‐ 2010 Commercial 6.1% 2010 $82,390 272%
Central Business District
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 16 24.5 $24.9 million    
Full Service Grocers Only 1 1.5 1.8 0.82 mi   $7.2 million 20,866
Banks & Credit Unions 24 36.8   % of households lacking credit histories = 62%
Banks Only 16 24.5 0.5 mi
Nontraditional Lenders 11 16.9 0.53 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.02
All Retail $141.8 Million ‐$61.6 Million All Retail $80.1 Million
Apparel $14.3 Million ‐$6.5 Million ‐ Apparel $7.8 Million
Grocery  (within the area boundary) $17.0 Million Grocery $24.9 Million
Restaurants $130.8 Million ‐$117.7 Million ‐ Home Appliances $1.7 Million
Home Furnishings & Décor $10.3 Million
Housekeeping Supplies $3.4 Million
Music, Radio, Television $5.3 Million
All Businesses 2,420 $8,208.2 Million 77,789 Personal Care & Drug $5.9 Million
Micro Businesses (1 ‐ 5 Empl.) 1,319 $606.2 Million 3,635 Pets, Toys, Hobbies $3.2 Million
Small Businesses (6 ‐ 50 Empl.) 824 $2,009.5 Million 13,601 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 211 $5,592.5 Million 60,553 Restaurants $13.1 Million
USPS Commercial Delivery Addr. '09 1,920 Public Transportation $2.5 Million
Resident Retail Spending per Acre $37,589
Central Business District
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 10,181 10,280 8,676 ‐1.0%
Population per Acre 8.5 8.6 7.3  
Total Households 3,578 3,791 4,082 ‐5.6%
USPS Residential Delivery Addr. '10 3,900
Average Household Income $44,486 $38,991 $20,189 14.1%
Median Household Income $32,498 $27,652 ‐ 17.5%
Aggregate Neighborhood Income $159.2 Million $149.5 Million $82.4 Million 6.5%
Aggregate Income per Acre $133,033 (6.7 times the metropolitan area income per acre* )
% Informal Economy 7.3%
% Owner Occupancy ‐ Unit 9% 9% 10%  
% Owner Occupancy ‐ Bldg 48%    
Median Home Sale Value $137,186 $154,643 ‐ ‐11.3%
Res New Cons Permits 2000 ‐ 2010** 95
Res Rehab Permits 2000 ‐ 2010** 215
2006 ‐ 2010 All Addresses 10.3% 2008 $92,881 360%
2008 ‐ 2010 Residential 3.8% 2009 $75,541 274%
2008 ‐ 2010 Commercial 8.2% 2010 $62,306 209%
Central Grand
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 4 11.2 $11.9 million    
Full Service Grocers Only 0 0.0 3.6 0.9 mi   ‐$5.1 million ‐
Banks & Credit Unions 1 2.8   % of households lacking credit histories = 63%
Banks Only 1 2.8 0.68 mi
Nontraditional Lenders 0 0.0 0.82 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.90
All Retail $22.2 Million $21.0 Million All Retail $43.1 Million
Apparel $1.4 Million $2.7 Million 8,006 Apparel $4.1 Million
Grocery  (within the area boundary) $0.0 Million Grocery $11.9 Million
Restaurants $23.6 Million ‐$16.6 Million ‐ Home Appliances $0.9 Million
Home Furnishings & Décor $5.3 Million
Housekeeping Supplies $1.8 Million
Music, Radio, Television $2.9 Million
All Businesses 704 $1,754.0 Million 19,381 Personal Care & Drug $3.2 Million
Micro Businesses (1 ‐ 5 Empl.) 398 $196.0 Million 1,182 Pets, Toys, Hobbies $1.7 Million
Small Businesses (6 ‐ 50 Empl.) 244 $614.4 Million 4,179 Reading $0.3 Million
Medium & Large Businesses (>50 Empl.) 40 $943.7 Million 14,020 Restaurants $7.0 Million
USPS Commercial Delivery Addr. '09 555 Public Transportation $1.2 Million
Resident Retail Spending per Acre $36,047
Central Grand
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 14,574 11,909 13,430 22.4%
Population per Acre 12.8 10.5 11.8  
Total Households 5,456 4,448 6,732 22.7%
USPS Residential Delivery Addr. '10 4,294
Average Household Income $45,645 $33,888 $20,941 34.7%
Median Household Income $32,010 $24,403 ‐ 31.2%
Aggregate Neighborhood Income $249.1 Million $152.2 Million $141.0 Million 63.7%
Aggregate Income per Acre $219,375 (11.1 times the metropolitan area income per acre* )
% Informal Economy 7.8%
% Owner Occupancy ‐ Unit 22% 35% 26%  
% Owner Occupancy ‐ Bldg 42%    
Median Home Sale Value $77,000 $58,085 ‐ 32.6%
Res New Cons Permits 2000 ‐ 2010** 60
Res Rehab Permits 2000 ‐ 2010** 1,539
2006 ‐ 2010 All Addresses 0.9% 2008 $57,549 175%
2008 ‐ 2010 Residential 3.1% 2009 $50,278 140%
2008 ‐ 2010 Commercial 2.1% 2010 $50,049 139%
Cherokee
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 8 14.7 $13.1 million    
Full Service Grocers Only 3 5.5 2.3 0.42 mi   $1.1 million 3,137
Banks & Credit Unions 2 3.7   % of households lacking credit histories = 49%
Banks Only 1 1.8 0.53 mi
Nontraditional Lenders 3 5.5 0.4 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 2.22
All Retail $35.9 Million $30.3 Million All Retail $66.2 Million
Apparel $2.3 Million $4.0 Million 11,849 Apparel $6.3 Million
Grocery  (within the area boundary) $16.6 Million Grocery $13.1 Million
Restaurants $6.5 Million $4.2 Million 17,893 Home Appliances $1.4 Million
Home Furnishings & Décor $8.1 Million
Housekeeping Supplies $2.8 Million
Music, Radio, Television $4.5 Million
All Businesses 334 $688.0 Million 9,844 Personal Care & Drug $4.9 Million
Micro Businesses (1 ‐ 5 Empl.) 238 $110.5 Million 630 Pets, Toys, Hobbies $2.6 Million
Small Businesses (6 ‐ 50 Empl.) 85 $403.6 Million 1,160 Reading $0.4 Million
Medium & Large Businesses (>50 Empl.) 10 $173.9 Million 8,054 Restaurants $10.7 Million
USPS Commercial Delivery Addr. '09 343 Public Transportation $1.9 Million
Resident Retail Spending per Acre $58,341
Cherokee
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 9,088 7,610 8,184 19.4%
Population per Acre 3.9 3.2 3.5  
Total Households 3,614 2,798 4,434 29.2%
USPS Residential Delivery Addr. '10 2,904
Average Household Income $42,699 $30,944 $15,757 38.0%
Median Household Income $28,761 $21,900 ‐ 31.3%
Aggregate Neighborhood Income $154.3 Million $85.4 Million $69.9 Million 80.8%
Aggregate Income per Acre $65,724 (3.3 times the metropolitan area income per acre* )
% Informal Economy 11.7%
% Owner Occupancy ‐ Unit 19% 32% 23%  
% Owner Occupancy ‐ Bldg 41%    
Median Home Sale Value $127,461 $50,796 ‐ 150.9%
Res New Cons Permits 2000 ‐ 2010** 449
Res Rehab Permits 2000 ‐ 2010** 675
2006 ‐ 2010 All Addresses 0.3% 2008 $55,279 251%
2008 ‐ 2010 Residential ‐4.4% 2009 $51,000 224%
2008 ‐ 2010 Commercial 0.2% 2010 $55,000 249%
Florissant Corridor
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 10 27.7 $8.0 million    
Full Service Grocers Only 2 5.5 1.1 0.67 mi   $2.5 million 7,196
Banks & Credit Unions 3 8.3   % of households lacking credit histories = 48%
Banks Only 2 5.5 0.48 mi
Nontraditional Lenders 0 0.0 1.14 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.49
All Retail $46.1 Million ‐$4.1 Million All Retail $42.1 Million
Apparel $1.2 Million $2.8 Million 8,100 Apparel $4.0 Million
Grocery  (within the area boundary) $12.7 Million Grocery $8.0 Million
Restaurants $4.2 Million $2.4 Million 10,278 Home Appliances $0.8 Million
Home Furnishings & Décor $5.0 Million
Housekeeping Supplies $1.8 Million
Music, Radio, Television $2.9 Million
All Businesses 412 $2,159.0 Million 7,139 Personal Care & Drug $3.2 Million
Micro Businesses (1 ‐ 5 Empl.) 222 $158.7 Million 626 Pets, Toys, Hobbies $1.7 Million
Small Businesses (6 ‐ 50 Empl.) 160 $800.6 Million 2,763 Reading $0.3 Million
Medium & Large Businesses (>50 Empl.) 28 $1,199.7 Million 3,750 Restaurants $6.6 Million
USPS Commercial Delivery Addr. '09 425 Public Transportation $1.1 Million
Resident Retail Spending per Acre $17,913
Florissant Corridor
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 17,088 14,750 14,613 15.9%
Population per Acre 12.0 10.4 10.3  
Total Households 9,876 8,349 9,281 18.3%
USPS Residential Delivery Addr. '10 8,720
Average Household Income $92,277 $59,657 $42,688 54.7%
Median Household Income $59,543 $38,420 ‐ 55.0%
Aggregate Neighborhood Income $911.3 Million $501.7 Million $396.2 Million 81.6%
Aggregate Income per Acre $639,820 (32.4 times the metropolitan area income per acre* )
% Informal Economy 6.7%
% Owner Occupancy ‐ Unit 12% 31% 25%  
% Owner Occupancy ‐ Bldg 61%    
Median Home Sale Value $269,900 $205,269 ‐ 31.5%
Res New Cons Permits 2000 ‐ 2010** 396
Res Rehab Permits 2000 ‐ 2010** 802
2006 ‐ 2010 All Addresses ‐1.3% 2008 $131,560 208%
2008 ‐ 2010 Residential 2.7% 2009 $126,846 197%
2008 ‐ 2010 Commercial 3.9% 2010 $176,038 312%
Euclid
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 11 11.1 $29.5 million    
Full Service Grocers Only 3 3.0 2.9 0.42 mi   ‐$12.9 million ‐
Banks & Credit Unions 7 7.1   % of households lacking credit histories = 65%
Banks Only 6 6.1 0.34 mi
Nontraditional Lenders 0 0.0 0.81 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.56
All Retail $208.1 Million ‐$39.5 Million All Retail $168.6 Million
Apparel $10.2 Million $7.2 Million 21,132 Apparel $17.4 Million
Grocery  (within the area boundary) $46.7 Million Grocery $29.5 Million
Restaurants $49.7 Million ‐$19.2 Million ‐ Home Appliances $3.8 Million
Home Furnishings & Décor $25.1 Million
Housekeeping Supplies $7.1 Million
Music, Radio, Television $10.5 Million
All Businesses 1,407 $2,796.3 Million 25,292 Personal Care & Drug $11.9 Million
Micro Businesses (1 ‐ 5 Empl.) 948 $469.6 Million 2,694 Pets, Toys, Hobbies $7.0 Million
Small Businesses (6 ‐ 50 Empl.) 332 $788.7 Million 5,637 Reading $1.2 Million
Medium & Large Businesses (>50 Empl.) 46 $1,538.0 Million 16,961 Restaurants $30.5 Million
USPS Commercial Delivery Addr. '09 752 Public Transportation $6.9 Million
Resident Retail Spending per Acre $118,371
Euclid
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 21,123 20,047 21,429 5.4%
Population per Acre 5.7 5.4 5.7  
Total Households 8,067 7,642 8,533 5.6%
USPS Residential Delivery Addr. '10 7,717
Average Household Income $49,090 $48,828 $40,976 0.5%
Median Household Income $40,119 $41,961 ‐ ‐4.4%
Aggregate Neighborhood Income $396.0 Million $374.2 Million $349.7 Million 5.8%
Aggregate Income per Acre $106,011 (5.4 times the metropolitan area income per acre* )
% Informal Economy 3.6%
% Owner Occupancy ‐ Unit 60% 55% 58%  
% Owner Occupancy ‐ Bldg 74%    
Median Home Sale Value $50,750 $85,192 ‐ ‐40.4%
Res New Cons Permits 2000 ‐ 2010** 30
Res Rehab Permits 2000 ‐ 2010** 1,140
2006 ‐ 2010 All Addresses ‐1.4% 2008 $45,444 11%
2008 ‐ 2010 Residential ‐0.6% 2009 $43,493 6%
2008 ‐ 2010 Commercial 2.1% 2010 $39,576 ‐3%
Ferguson
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 11 13.6 $25.7 million    
Full Service Grocers Only 4 5.0 3.5 0.99 mi   ‐$4.6 million ‐
Banks & Credit Unions 6 7.4   % of households lacking credit histories = 32%
Banks Only 5 6.2 1.06 mi
Nontraditional Lenders 5 6.2 0.78 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.90
All Retail $238.6 Million ‐$133.7 Million All Retail $104.9 Million
Apparel $19.0 Million ‐$9.0 Million ‐ Apparel $10.0 Million
Grocery  (within the area boundary) $27.7 Million Grocery $25.7 Million
Restaurants $22.3 Million ‐$5.1 Million ‐ Home Appliances $2.2 Million
Home Furnishings & Décor $12.9 Million
Housekeeping Supplies $4.4 Million
Music, Radio, Television $7.1 Million
All Businesses 387 $565.3 Million 4,926 Personal Care & Drug $7.8 Million
Micro Businesses (1 ‐ 5 Empl.) 234 $121.2 Million 646 Pets, Toys, Hobbies $4.3 Million
Small Businesses (6 ‐ 50 Empl.) 133 $276.4 Million 1,826 Reading $0.7 Million
Medium & Large Businesses (>50 Empl.) 16 $167.7 Million 2,454 Restaurants $17.1 Million
USPS Commercial Delivery Addr. '09 329 Public Transportation $2.9 Million
Resident Retail Spending per Acre $28,083
Ferguson
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 56,260 65,750 68,263 ‐14.4%
Population per Acre 6.1 7.1 7.4  
Total Households 22,308 26,416 27,827 ‐15.5%
USPS Residential Delivery Addr. '10 26,807
Average Household Income $62,057 $59,182 $50,457 4.9%
Median Household Income $50,263 $52,889 ‐ ‐5.0%
Aggregate Neighborhood Income $1,384.4 Million $1,536.6 Million $1,404.1 Million ‐9.9%
Aggregate Income per Acre $150,485 (7.6 times the metropolitan area income per acre* )
% Informal Economy 2.9%
% Owner Occupancy ‐ Unit 76% 76% 77%  
% Owner Occupancy ‐ Bldg 87%    
Median Home Sale Value ‐ $101,716 ‐ ‐
Res New Cons Permits 2000 ‐ 2010** 198
Res Rehab Permits 2000 ‐ 2010** 7,586
2006 ‐ 2010 All Addresses ‐3.1% 2008 $49,054 ‐3%
2008 ‐ 2010 Residential ‐2.1% 2009 $45,675 ‐9%
2008 ‐ 2010 Commercial ‐4.0% 2010 $44,103 ‐13%
Florissant 67
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 42 18.8 $95.0 million    
Full Service Grocers Only 11 4.9 4.9 0.9 mi   ‐$52.1 million ‐
Banks & Credit Unions 22 9.9   % of households lacking credit histories = 15%
Banks Only 15 6.7 0.89 mi
Nontraditional Lenders 17 7.6 1.13 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.13
All Retail $742.1 Million ‐$412.8 Million All Retail $329.4 Million
Apparel $29.0 Million $2.7 Million 7,914 Apparel $31.7 Million
Grocery  (within the area boundary) $149.5 Million Grocery $95.0 Million
Restaurants $119.3 Million ‐$62.9 Million ‐ Home Appliances $7.2 Million
Home Furnishings & Décor $42.4 Million
Housekeeping Supplies $13.8 Million
Music, Radio, Television $22.0 Million
All Businesses 1,736 $3,280.1 Million 22,792 Personal Care & Drug $24.1 Million
Micro Businesses (1 ‐ 5 Empl.) 1,092 $511.6 Million 2,962 Pets, Toys, Hobbies $13.9 Million
Small Businesses (6 ‐ 50 Empl.) 550 $1,014.7 Million 8,141 Reading $2.2 Million
Medium & Large Businesses (>50 Empl.) 80 $1,753.8 Million 11,689 Restaurants $56.4 Million
USPS Commercial Delivery Addr. '09 1,357 Public Transportation $10.0 Million
Resident Retail Spending per Acre $35,802
Florissant 67
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 15,528 15,187 16,956 2.2%
Population per Acre 6.7 6.6 7.4  
Total Households 5,528 5,412 6,415 2.1%
USPS Residential Delivery Addr. '10 5,722
Average Household Income $47,673 $44,176 $35,300 7.9%
Median Household Income $37,140 $37,931 ‐ ‐2.1%
Aggregate Neighborhood Income $263.5 Million $237.9 Million $226.5 Million 10.8%
Aggregate Income per Acre $114,420 (5.8 times the metropolitan area income per acre* )
% Informal Economy 4.3%
% Owner Occupancy ‐ Unit 62% 59% 63%  
% Owner Occupancy ‐ Bldg 64%    
Median Home Sale Value $48,925 $72,569 ‐ ‐32.6%
Res New Cons Permits 2000 ‐ 2010** 50
Res Rehab Permits 2000 ‐ 2010** 1,804
2006 ‐ 2010 All Addresses ‐1.4% 2008 $41,671 18%
2008 ‐ 2010 Residential ‐0.2% 2009 $35,480 1%
2008 ‐ 2010 Commercial 0.9% 2010 $36,058 2%
Halls Ferry/Chambers
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 13 23.5 $17.6 million    
Full Service Grocers Only 2 3.6 4.0 1.19 mi   ‐$5.6 million ‐
Banks & Credit Unions 2 3.6   % of households lacking credit histories = 22%
Banks Only 1 1.8 1.42 mi
Nontraditional Lenders 8 14.5 0.74 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 2.15
All Retail $176.0 Million ‐$105.8 Million All Retail $70.2 Million
Apparel $7.6 Million ‐$1.0 Million ‐ Apparel $6.7 Million
Grocery  (within the area boundary) $24.8 Million Grocery $17.6 Million
Restaurants $11.6 Million ‐$.2 Million ‐ Home Appliances $1.5 Million
Home Furnishings & Décor $8.6 Million
Housekeeping Supplies $2.9 Million
Music, Radio, Television $4.8 Million
All Businesses 306 $417.7 Million 4,255 Personal Care & Drug $5.2 Million
Micro Businesses (1 ‐ 5 Empl.) 197 $88.1 Million 504 Pets, Toys, Hobbies $2.8 Million
Small Businesses (6 ‐ 50 Empl.) 98 $148.9 Million 1,550 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 11 $180.8 Million 2,201 Restaurants $11.4 Million
USPS Commercial Delivery Addr. '09 226 Public Transportation $1.9 Million
Resident Retail Spending per Acre $30,483
Halls Ferry/Chambers
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 23,488 23,124 25,299 1.6%
Population per Acre 9.8 9.6 10.5  
Total Households 11,813 11,696 12,670 1.0%
USPS Residential Delivery Addr. '10 12,011
Average Household Income $67,100 $55,992 $46,193 19.8%
Median Household Income $52,944 $46,922 ‐ 12.8%
Aggregate Neighborhood Income $792.7 Million $655.7 Million $585.3 Million 20.9%
Aggregate Income per Acre $330,203 (16.7 times the metropolitan area income per acre* )
% Informal Economy 4.3%
% Owner Occupancy ‐ Unit 62% 68% 65%  
% Owner Occupancy ‐ Bldg 80%    
Median Home Sale Value $141,000 $111,071 ‐ 26.9%
Res New Cons Permits 2000 ‐ 2010** 206
Res Rehab Permits 2000 ‐ 2010** 2,050
2006 ‐ 2010 All Addresses ‐2.1% 2008 $68,420 48%
2008 ‐ 2010 Residential ‐1.1% 2009 $59,060 28%
2008 ‐ 2010 Commercial ‐4.1% 2010 $63,101 37%
Hampton
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 12 10.2 $41.5 million    
Full Service Grocers Only 4 3.4 3.9 0.7 mi   ‐$16.4 million ‐
Banks & Credit Unions 16 13.5   % of households lacking credit histories = 31%
Banks Only 11 9.3 0.5 mi
Nontraditional Lenders 2 1.7 0.6 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.07
All Retail $147.3 Million $32.2 Million All Retail $179.5 Million
Apparel $6.5 Million $10.9 Million 32,185 Apparel $17.4 Million
Grocery  (within the area boundary) $47.0 Million Grocery $41.5 Million
Restaurants $53.5 Million ‐$22.5 Million ‐ Home Appliances $3.9 Million
Home Furnishings & Décor $23.6 Million
Housekeeping Supplies $7.5 Million
Music, Radio, Television $11.8 Million
All Businesses 901 $1,185.0 Million 9,941 Personal Care & Drug $13.1 Million
Micro Businesses (1 ‐ 5 Empl.) 593 $284.4 Million 1,549 Pets, Toys, Hobbies $7.6 Million
Small Businesses (6 ‐ 50 Empl.) 270 $529.1 Million 4,111 Reading $1.2 Million
Medium & Large Businesses (>50 Empl.) 34 $371.5 Million 4,281 Restaurants $31.0 Million
USPS Commercial Delivery Addr. '09 835 Public Transportation $5.7 Million
Resident Retail Spending per Acre $74,760
Hampton
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 35,314 33,568 33,753 5.2%
Population per Acre 3.3 3.1 3.1  
Total Households 13,597 12,964 13,174 4.9%
USPS Residential Delivery Addr. '10 13,322
Average Household Income $76,875 $71,399 $60,629 7.7%
Median Household Income $60,008 $60,473 ‐ ‐0.8%
Aggregate Neighborhood Income $1,045.3 Million $902.0 Million $798.7 Million 15.9%
Aggregate Income per Acre $97,217 (4.9 times the metropolitan area income per acre* )
% Informal Economy 1.4%
% Owner Occupancy ‐ Unit 76% 82% 78%  
% Owner Occupancy ‐ Bldg 90%    
Median Home Sale Value ‐ $124,528 ‐ ‐
Res New Cons Permits 2000 ‐ 2010** 973
Res Rehab Permits 2000 ‐ 2010** 3,133
2006 ‐ 2010 All Addresses ‐2.8% 2008 $58,048 ‐4%
2008 ‐ 2010 Residential ‐2.6% 2009 $53,891 ‐11%
2008 ‐ 2010 Commercial ‐6.5% 2010 $51,099 ‐16%
Jamestown
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 12 8.8 $49.7 million    
Full Service Grocers Only 3 2.2 2.7 1.57 mi   $0.4 million 1,076
Banks & Credit Unions 8 5.9   % of households lacking credit histories = 26%
Banks Only 7 5.1 1.14 mi
Nontraditional Lenders 3 2.2 1.46 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.77
All Retail $242.5 Million ‐$16.8 Million All Retail $225.7 Million
Apparel $13.5 Million $8.9 Million 26,075 Apparel $22.3 Million
Grocery  (within the area boundary) $54.3 Million Grocery $49.7 Million
Restaurants $18.8 Million $21.3 Million 91,260 Home Appliances $5.0 Million
Home Furnishings & Décor $31.0 Million
Housekeeping Supplies $9.5 Million
Music, Radio, Television $14.6 Million
All Businesses 621 $808.7 Million 6,183 Personal Care & Drug $16.3 Million
Micro Businesses (1 ‐ 5 Empl.) 433 $189.6 Million 1,159 Pets, Toys, Hobbies $9.6 Million
Small Businesses (6 ‐ 50 Empl.) 154 $231.1 Million 2,142 Reading $1.5 Million
Medium & Large Businesses (>50 Empl.) 26 $388.1 Million 2,882 Restaurants $40.1 Million
USPS Commercial Delivery Addr. '09 404 Public Transportation $7.8 Million
Resident Retail Spending per Acre $20,988
Jamestown
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 16,884 16,001 17,157 5.5%
Population per Acre 8.6 8.2 8.8  
Total Households 6,616 6,250 7,473 5.9%
USPS Residential Delivery Addr. '10 6,376
Average Household Income $46,698 $44,599 $34,709 4.7%
Median Household Income $33,231 $32,561 ‐ 2.1%
Aggregate Neighborhood Income $309.0 Million $275.5 Million $259.4 Million 12.2%
Aggregate Income per Acre $157,674 (8.0 times the metropolitan area income per acre* )
% Informal Economy 4.0%
% Owner Occupancy ‐ Unit 56% 58% 61%  
% Owner Occupancy ‐ Bldg 63%    
Median Home Sale Value $55,000 $64,512 ‐ ‐14.7%
Res New Cons Permits 2000 ‐ 2010** 86
Res Rehab Permits 2000 ‐ 2010** 340
2006 ‐ 2010 All Addresses 1.3% 2008 $60,980 76%
2008 ‐ 2010 Residential ‐0.8% 2009 $35,660 3%
2008 ‐ 2010 Commercial ‐0.4% 2010 $33,067 ‐5%
Jennings
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
This imagecannot currently bedisplayed.
All Grocers 10 15.1 $19.7 million    
Full Service Grocers Only 1 1.5 3.0 0.94 mi   ‐$1.8 million ‐
Banks & Credit Unions 2 3.0   % of households lacking credit histories = 24%
Banks Only 0 0.0 1.16 mi
Nontraditional Lenders 4 6.0 0.58 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 3.32
All Retail $58.8 Million $24.0 Million All Retail $82.8 Million
Apparel $5.4 Million $2.6 Million 7,598 Apparel $7.9 Million
Grocery  (within the area boundary) $5.2 Million Grocery $19.7 Million
Restaurants $4.9 Million $8.5 Million 36,438 Home Appliances $1.7 Million
Home Furnishings & Décor $10.2 Million
Housekeeping Supplies $3.5 Million
Music, Radio, Television $5.6 Million
All Businesses 240 $296.1 Million 2,041 Personal Care & Drug $6.2 Million
Micro Businesses (1 ‐ 5 Empl.) 162 $64.5 Million 416 Pets, Toys, Hobbies $3.3 Million
Small Businesses (6 ‐ 50 Empl.) 68 $117.1 Million 903 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 10 $114.6 Million 722 Restaurants $13.4 Million
USPS Commercial Delivery Addr. '09 226 Public Transportation $2.3 Million
Resident Retail Spending per Acre $42,267
Jennings
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 21,389 19,528 21,329 9.5%
Population per Acre 14.4 13.1 14.3  
Total Households 10,021 9,132 10,514 9.7%
USPS Residential Delivery Addr. '10 9,386
Average Household Income $51,050 $42,815 $33,426 19.2%
Median Household Income $42,371 $35,734 ‐ 18.6%
Aggregate Neighborhood Income $511.6 Million $390.3 Million $351.4 Million 31.1%
Aggregate Income per Acre $343,809 (17.4 times the metropolitan area income per acre* )
% Informal Economy 5.4%
% Owner Occupancy ‐ Unit 38% 47% 43%  
% Owner Occupancy ‐ Bldg 70%    
Median Home Sale Value $84,500 $84,539 ‐ 0.0%
Res New Cons Permits 2000 ‐ 2010** 86
Res Rehab Permits 2000 ‐ 2010** 1,391
2006 ‐ 2010 All Addresses ‐2.5% 2008 $55,932 67%
2008 ‐ 2010 Residential ‐0.7% 2009 $52,415 57%
2008 ‐ 2010 Commercial 0.5% 2010 $53,166 59%
Kingshighway
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 10 10.0 $29.0 million    
Full Service Grocers Only 2 2.0 3.8 0.63 mi   ‐$11.3 million ‐
Banks & Credit Unions 2 2.0   % of households lacking credit histories = 44%
Banks Only 1 1.0 0.74 mi
Nontraditional Lenders 6 6.0 0.48 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.93
All Retail $170.5 Million ‐$38.4 Million All Retail $132.0 Million
Apparel $8.0 Million $4.5 Million 13,342 Apparel $12.5 Million
Grocery  (within the area boundary) $57.4 Million Grocery $29.0 Million
Restaurants $23.6 Million ‐$1.9 Million ‐ Home Appliances $2.8 Million
Home Furnishings & Décor $16.2 Million
Housekeeping Supplies $5.5 Million
Music, Radio, Television $9.0 Million
All Businesses 559 $1,281.9 Million 6,578 Personal Care & Drug $9.8 Million
Micro Businesses (1 ‐ 5 Empl.) 334 $180.5 Million 901 Pets, Toys, Hobbies $5.4 Million
Small Businesses (6 ‐ 50 Empl.) 204 $723.6 Million 3,350 Reading $0.9 Million
Medium & Large Businesses (>50 Empl.) 20 $377.8 Million 2,327 Restaurants $21.8 Million
USPS Commercial Delivery Addr. '09 534 Public Transportation $3.6 Million
Resident Retail Spending per Acre $88,720
Kingshighway
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 38,435 33,162 39,536 15.9%
Population per Acre 9.9 8.5 10.1  
Total Households 14,951 12,832 19,904 16.5%
USPS Residential Delivery Addr. '10 13,731
Average Household Income $42,525 $35,795 $22,986 18.8%
Median Household Income $32,294 $23,762 ‐ 35.9%
Aggregate Neighborhood Income $635.8 Million $440.8 Million $457.5 Million 44.2%
Aggregate Income per Acre $163,209 (8.3 times the metropolitan area income per acre* )
% Informal Economy 7.4%
% Owner Occupancy ‐ Unit 26% 40% 33%  
% Owner Occupancy ‐ Bldg 48%    
Median Home Sale Value $79,179 $59,159 ‐ 33.8%
Res New Cons Permits 2000 ‐ 2010** 515
Res Rehab Permits 2000 ‐ 2010** 1,622
2006 ‐ 2010 All Addresses ‐12.2% 2008 $56,485 146%
2008 ‐ 2010 Residential ‐6.9% 2009 $51,264 123%
2008 ‐ 2010 Commercial ‐2.6% 2010 $53,747 134%
Martin Luther King
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 28 18.7 $36.0 million    
Full Service Grocers Only 3 2.0 2.0 0.76 mi   $6.2 million 17,933
Banks & Credit Unions 2 1.3   % of households lacking credit histories = 43%
Banks Only 1 0.7 0.86 mi
Nontraditional Lenders 9 6.0 0.51 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 2.30
All Retail $64.3 Million $112.4 Million All Retail $176.8 Million
Apparel $2.7 Million $14.1 Million 41,588 Apparel $16.8 Million
Grocery  (within the area boundary) $17.5 Million Grocery $36.0 Million
Restaurants $8.5 Million $19.7 Million 84,484 Home Appliances $3.6 Million
Home Furnishings & Décor $21.2 Million
Housekeeping Supplies $7.4 Million
Music, Radio, Television $12.0 Million
All Businesses 603 $1,355.6 Million 11,392 Personal Care & Drug $13.3 Million
Micro Businesses (1 ‐ 5 Empl.) 407 $197.5 Million 1,075 Pets, Toys, Hobbies $7.1 Million
Small Businesses (6 ‐ 50 Empl.) 176 $297.7 Million 2,768 Reading $1.1 Million
Medium & Large Businesses (>50 Empl.) 17 $860.4 Million 7,549 Restaurants $28.2 Million
USPS Commercial Delivery Addr. '09 957 Public Transportation $4.7 Million
Resident Retail Spending per Acre $45,379
Martin Luther King
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 10,952 9,233 11,227 18.6%
Population per Acre 6.9 5.8 7.1  
Total Households 5,355 4,509 5,820 18.8%
USPS Residential Delivery Addr. '10 4,724
Average Household Income $57,404 $41,946 $28,429 36.9%
Median Household Income $39,797 $33,298 ‐ 19.5%
Aggregate Neighborhood Income $307.4 Million $191.4 Million $165.5 Million 60.7%
Aggregate Income per Acre $193,280 (9.8 times the metropolitan area income per acre* )
% Informal Economy 7.8%
% Owner Occupancy ‐ Unit 25% 37% 27%  
% Owner Occupancy ‐ Bldg 52%    
Median Home Sale Value $127,900 $82,800 ‐ 54.5%
Res New Cons Permits 2000 ‐ 2010** 229
Res Rehab Permits 2000 ‐ 2010** 883
2006 ‐ 2010 All Addresses 5.4% 2008 $74,667 163%
2008 ‐ 2010 Residential 0.4% 2009 $80,787 184%
2008 ‐ 2010 Commercial ‐4.0% 2010 $69,447 144%
Manchester
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 5 9.3 $14.5 million    
Full Service Grocers Only 0 0.0 3.3 1.1 mi   ‐$8.3 million ‐
Banks & Credit Unions 2 3.7   % of households lacking credit histories = 50%
Banks Only 1 1.9 0.8 mi
Nontraditional Lenders 1 1.9 0.89 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.93
All Retail $55.1 Million $17.5 Million All Retail $72.5 Million
Apparel $3.9 Million $3.1 Million 9,118 Apparel $7.0 Million
Grocery  (within the area boundary) $0.0 Million Grocery $14.5 Million
Restaurants $23.2 Million ‐$11.1 Million ‐ Home Appliances $1.5 Million
Home Furnishings & Décor $9.3 Million
Housekeeping Supplies $3.0 Million
Music, Radio, Television $4.8 Million
All Businesses 594 $2,783.4 Million 12,677 Personal Care & Drug $5.3 Million
Micro Businesses (1 ‐ 5 Empl.) 299 $181.6 Million 852 Pets, Toys, Hobbies $3.0 Million
Small Businesses (6 ‐ 50 Empl.) 250 $1,126.2 Million 4,129 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 45 $1,475.6 Million 7,696 Restaurants $12.1 Million
USPS Commercial Delivery Addr. '09 509 Public Transportation $2.2 Million
Resident Retail Spending per Acre $45,598
Manchester
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 10,020 9,578 10,803 4.6%
Population per Acre 2.7 2.6 2.9  
Total Households 3,550 3,387 4,261 4.8%
USPS Residential Delivery Addr. '10 3,492
Average Household Income $50,282 $41,665 $31,713 20.7%
Median Household Income $40,192 $30,538 ‐ 31.6%
Aggregate Neighborhood Income $178.5 Million $140.1 Million $135.1 Million 27.4%
Aggregate Income per Acre $48,498 (2.5 times the metropolitan area income per acre* )
% Informal Economy 3.9%
% Owner Occupancy ‐ Unit 45% 55% 54%  
% Owner Occupancy ‐ Bldg 64%    
Median Home Sale Value $60,000 $64,068 ‐ ‐6.3%
Res New Cons Permits 2000 ‐ 2010** 33
Res Rehab Permits 2000 ‐ 2010** 506
2006 ‐ 2010 All Addresses ‐4.8% 2008 $32,224 2%
2008 ‐ 2010 Residential 0.5% 2009 $38,399 21%
2008 ‐ 2010 Commercial 2.3% 2010 $38,400 21%
North Broadway
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 12 33.8 $10.6 million    
Full Service Grocers Only 2 5.6 2.2 0.72 mi   $1.5 million 4,486
Banks & Credit Unions 2 5.6   % of households lacking credit histories = 30%
Banks Only 2 5.6 0.87 mi
Nontraditional Lenders 1 2.8 1.11 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.79
All Retail $16.2 Million $30.5 Million All Retail $46.8 Million
Apparel $0.3 Million $4.2 Million 12,233 Apparel $4.4 Million
Grocery  (within the area boundary) $11.3 Million Grocery $10.6 Million
Restaurants $3.4 Million $4.3 Million 18,384 Home Appliances $1.0 Million
Home Furnishings & Décor $5.8 Million
Housekeeping Supplies $2.0 Million
Music, Radio, Television $3.2 Million
All Businesses 286 $1,527.9 Million 4,914 Personal Care & Drug $3.5 Million
Micro Businesses (1 ‐ 5 Empl.) 173 $147.7 Million 445 Pets, Toys, Hobbies $1.9 Million
Small Businesses (6 ‐ 50 Empl.) 93 $568.3 Million 1,746 Reading $0.3 Million
Medium & Large Businesses (>50 Empl.) 19 $811.8 Million 2,723 Restaurants $7.7 Million
USPS Commercial Delivery Addr. '09 279 Public Transportation $1.3 Million
Resident Retail Spending per Acre $12,701
North Broadway
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 11,115 9,347 11,277 18.9%
Population per Acre 8.4 7.0 8.5  
Total Households 4,120 3,438 5,730 19.8%
USPS Residential Delivery Addr. '10 3,546
Average Household Income $39,776 $29,639 $18,379 34.2%
Median Household Income $27,457 $19,361 ‐ 41.8%
Aggregate Neighborhood Income $163.9 Million $97.7 Million $105.3 Million 67.7%
Aggregate Income per Acre $123,112 (6.2 times the metropolitan area income per acre* )
% Informal Economy 11.5%
% Owner Occupancy ‐ Unit 20% 33% 26%  
% Owner Occupancy ‐ Bldg 41%    
Median Home Sale Value $80,000 $43,572 ‐ 83.6%
Res New Cons Permits 2000 ‐ 2010** 332
Res Rehab Permits 2000 ‐ 2010** 452
2006 ‐ 2010 All Addresses ‐2.5% 2008 $47,519 159%
2008 ‐ 2010 Residential 0.4% 2009 $30,356 65%
2008 ‐ 2010 Commercial 0.9% 2010 $35,810 95%
North Grand
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 9 21.8 $9.2 million    
Full Service Grocers Only 3 7.3 1.5 0.44 mi   $1.1 million 3,152
Banks & Credit Unions 3 7.3   % of households lacking credit histories = 46%
Banks Only 3 7.3 0.42 mi
Nontraditional Lenders 3 7.3 0.53 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.85
All Retail $64.2 Million ‐$18.1 Million All Retail $46.1 Million
Apparel $7.3 Million ‐$2.9 Million ‐ Apparel $4.4 Million
Grocery  (within the area boundary) $18.3 Million Grocery $9.2 Million
Restaurants $5.9 Million $1.3 Million 5,762 Home Appliances $0.9 Million
Home Furnishings & Décor $5.5 Million
Housekeeping Supplies $2.0 Million
Music, Radio, Television $3.1 Million
All Businesses 276 $231.3 Million 2,542 Personal Care & Drug $3.5 Million
Micro Businesses (1 ‐ 5 Empl.) 190 $67.5 Million 521 Pets, Toys, Hobbies $1.8 Million
Small Businesses (6 ‐ 50 Empl.) 76 $121.1 Million 1,015 Reading $0.3 Million
Medium & Large Businesses (>50 Empl.) 10 $42.8 Million 1,006 Restaurants $7.3 Million
USPS Commercial Delivery Addr. '09 313 Public Transportation $1.2 Million
Resident Retail Spending per Acre $34,641
North Grand
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 15,025 14,505 15,784 3.6%
Population per Acre 7.9 7.6 8.3  
Total Households 6,266 6,063 6,715 3.3%
USPS Residential Delivery Addr. '10 6,143
Average Household Income $52,673 $51,712 $42,391 1.9%
Median Household Income $40,844 $42,596 ‐ ‐4.1%
Aggregate Neighborhood Income $330.1 Million $313.2 Million $284.7 Million 5.4%
Aggregate Income per Acre $172,877 (8.8 times the metropolitan area income per acre* )
% Informal Economy 4.1%
% Owner Occupancy ‐ Unit 68% 70% 70%  
% Owner Occupancy ‐ Bldg 76%    
Median Home Sale Value ‐ $90,495 ‐ ‐
Res New Cons Permits 2000 ‐ 2010** 29
Res Rehab Permits 2000 ‐ 2010** 1,189
2006 ‐ 2010 All Addresses ‐0.4% 2008 $58,082 37%
2008 ‐ 2010 Residential ‐1.6% 2009 $48,157 14%
2008 ‐ 2010 Commercial ‐7.7% 2010 $53,810 27%
North University City
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 10 16.0 $20.8 million    
Full Service Grocers Only 5 8.0 3.5 0.55 mi   ‐$4.3 million ‐
Banks & Credit Unions 2 3.2   % of households lacking credit histories = 23%
Banks Only 1 1.6 0.97 mi
Nontraditional Lenders 5 8.0 0.47 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 2.96
All Retail $127.7 Million ‐$43.9 Million All Retail $83.9 Million
Apparel $5.7 Million $2.4 Million 7,030 Apparel $8.1 Million
Grocery  (within the area boundary) $44.2 Million Grocery $20.8 Million
Restaurants $15.7 Million ‐$1.8 Million ‐ Home Appliances $1.8 Million
Home Furnishings & Décor $10.5 Million
Housekeeping Supplies $3.5 Million
Music, Radio, Television $5.6 Million
All Businesses 382 $583.0 Million 3,294 Personal Care & Drug $6.2 Million
Micro Businesses (1 ‐ 5 Empl.) 256 $136.7 Million 676 Pets, Toys, Hobbies $3.4 Million
Small Businesses (6 ‐ 50 Empl.) 114 $325.3 Million 1,685 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 9 $121.0 Million 933 Restaurants $13.9 Million
USPS Commercial Delivery Addr. '09 324 Public Transportation $2.4 Million
Resident Retail Spending per Acre $43,930
North University City
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 19,998 17,739 22,122 12.7%
Population per Acre 8.5 7.6 9.5  
Total Households 7,963 7,018 10,751 13.5%
USPS Residential Delivery Addr. '10 7,336
Average Household Income $44,834 $36,693 $24,835 22.2%
Median Household Income $33,342 $27,126 ‐ 22.9%
Aggregate Neighborhood Income $357.0 Million $249.3 Million $267.0 Million 43.2%
Aggregate Income per Acre $152,595 (7.7 times the metropolitan area income per acre* )
% Informal Economy 5.1%
% Owner Occupancy ‐ Unit 31% 48% 42%  
% Owner Occupancy ‐ Bldg 52%    
Median Home Sale Value $58,750 $58,091 ‐ 1.1%
Res New Cons Permits 2000 ‐ 2010** 27
Res Rehab Permits 2000 ‐ 2010** 625
2006 ‐ 2010 All Addresses ‐11.7% 2008 $40,036 61%
2008 ‐ 2010 Residential ‐4.5% 2009 $35,285 42%
2008 ‐ 2010 Commercial ‐3.2% 2010 $26,037 5%
Natural Bridge
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 15 18.8 $20.6 million    
Full Service Grocers Only 3 3.8 1.8 0.67 mi   $1.7 million 5,081
Banks & Credit Unions 5 6.3   % of households lacking credit histories = 36%
Banks Only 4 5.0 0.66 mi
Nontraditional Lenders 5 6.3 0.55 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.24
All Retail $100.5 Million ‐$2.5 Million All Retail $98.0 Million
Apparel $7.6 Million $1.7 Million 5,028 Apparel $9.3 Million
Grocery  (within the area boundary) $39.1 Million Grocery $20.6 Million
Restaurants $15.6 Million $.2 Million 912 Home Appliances $2.0 Million
Home Furnishings & Décor $11.9 Million
Housekeeping Supplies $4.1 Million
Music, Radio, Television $6.6 Million
All Businesses 433 $935.6 Million 6,040 Personal Care & Drug $7.3 Million
Micro Businesses (1 ‐ 5 Empl.) 282 $111.9 Million 785 Pets, Toys, Hobbies $4.0 Million
Small Businesses (6 ‐ 50 Empl.) 126 $400.2 Million 2,018 Reading $0.6 Million
Medium & Large Businesses (>50 Empl.) 25 $423.5 Million 3,237 Restaurants $15.8 Million
USPS Commercial Delivery Addr. '09 503 Public Transportation $2.7 Million
Resident Retail Spending per Acre $41,893
Natural Bridge
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 34,574 34,125 37,706 1.3%
Population per Acre 5.8 5.8 6.4  
Total Households 13,774 13,661 16,263 0.8%
USPS Residential Delivery Addr. '10 14,299
Average Household Income $49,896 $45,956 $36,454 8.6%
Median Household Income $35,902 $35,340 ‐ 1.6%
Aggregate Neighborhood Income $687.3 Million $626.4 Million $592.8 Million 9.7%
Aggregate Income per Acre $116,209 (5.9 times the metropolitan area income per acre* )
% Informal Economy 4.5%
% Owner Occupancy ‐ Unit 58% 54% 56%  
% Owner Occupancy ‐ Bldg 65%    
Median Home Sale Value $75,000 $73,249 ‐ 2.4%
Res New Cons Permits 2000 ‐ 2010** 222
Res Rehab Permits 2000 ‐ 2010** 5,781
2006 ‐ 2010 All Addresses ‐2.9% 2008 $52,058 43%
2008 ‐ 2010 Residential ‐2.3% 2009 $44,073 21%
2008 ‐ 2010 Commercial ‐2.2% 2010 $47,786 31%
Normandy School District
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 24 17.4 $44.4 million    
Full Service Grocers Only 2 1.5 3.0 1.28 mi   $2.4 million 6,964
Banks & Credit Unions 4 2.9   % of households lacking credit histories = 29%
Banks Only 3 2.2 1.07 mi
Nontraditional Lenders 12 8.7 0.78 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.75
All Retail $88.0 Million $90.4 Million All Retail $178.3 Million
Apparel $4.2 Million $12.9 Million 37,994 Apparel $17.2 Million
Grocery  (within the area boundary) $11.7 Million Grocery $44.4 Million
Restaurants $14.1 Million $15.1 Million 64,702 Home Appliances $3.7 Million
Home Furnishings & Décor $22.2 Million
Housekeeping Supplies $7.5 Million
Music, Radio, Television $12.0 Million
All Businesses 758 $1,979.1 Million 11,741 Personal Care & Drug $13.3 Million
Micro Businesses (1 ‐ 5 Empl.) 453 $185.8 Million 1,166 Pets, Toys, Hobbies $7.2 Million
Small Businesses (6 ‐ 50 Empl.) 258 $472.3 Million 3,920 Reading $1.2 Million
Medium & Large Businesses (>50 Empl.) 40 $1,321.0 Million 6,655 Restaurants $29.2 Million
USPS Commercial Delivery Addr. '09 696 Public Transportation $5.1 Million
Resident Retail Spending per Acre $30,155
Normandy School District
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 57,373 51,793 53,663 10.8%
Population per Acre 7.2 6.5 6.8  
Total Households 24,365 21,914 24,513 11.2%
USPS Residential Delivery Addr. '10 22,401
Average Household Income $51,220 $48,173 $39,739 6.3%
Median Household Income $40,341 $40,985 ‐ ‐1.6%
Aggregate Neighborhood Income $1,248.0 Million $1,053.1 Million $974.1 Million 18.5%
Aggregate Income per Acre $157,010 (8.0 times the metropolitan area income per acre* )
% Informal Economy 4.5%
% Owner Occupancy ‐ Unit 62% 62% 61%  
% Owner Occupancy ‐ Bldg 75%    
Median Home Sale Value ‐ $81,024 ‐ ‐
Res New Cons Permits 2000 ‐ 2010** 146
Res Rehab Permits 2000 ‐ 2010** 6,318
2006 ‐ 2010 All Addresses ‐3.4% 2008 $43,962 11%
2008 ‐ 2010 Residential ‐2.9% 2009 $40,383 2%
2008 ‐ 2010 Commercial ‐13.4% 2010 $39,228 ‐1%
Overland/Ritenour
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 42 17.2 $73.3 million    
Full Service Grocers Only 6 2.5 3.3 1.01 mi   ‐$18.4 million ‐
Banks & Credit Unions 7 2.9   % of households lacking credit histories = 32%
Banks Only 7 2.9 0.9 mi
Nontraditional Lenders 27 11.1 0.66 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.61
All Retail $440.6 Million ‐$118.5 Million All Retail $322.2 Million
Apparel $9.6 Million $21.1 Million 62,224 Apparel $30.7 Million
Grocery  (within the area boundary) $102.0 Million Grocery $73.3 Million
Restaurants $58.7 Million ‐$5.6 Million ‐ Home Appliances $6.8 Million
Home Furnishings & Décor $39.9 Million
Housekeeping Supplies $13.4 Million
Music, Radio, Television $21.8 Million
All Businesses 1,551 $4,396.4 Million 20,051 Personal Care & Drug $23.9 Million
Micro Businesses (1 ‐ 5 Empl.) 959 $470.0 Million 2,564 Pets, Toys, Hobbies $13.2 Million
Small Businesses (6 ‐ 50 Empl.) 507 $1,222.0 Million 7,622 Reading $2.1 Million
Medium & Large Businesses (>50 Empl.) 72 $2,704.4 Million 9,865 Restaurants $53.1 Million
USPS Commercial Delivery Addr. '09 1,246 Public Transportation $9.0 Million
Resident Retail Spending per Acre $40,530
Overland/Ritenour
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 24,349 22,463 24,179 8.4%
Population per Acre 11.0 10.2 11.0  
Total Households 10,051 9,343 11,949 7.6%
USPS Residential Delivery Addr. '10 9,576
Average Household Income $46,069 $35,474 $25,327 29.9%
Median Household Income $35,747 $27,658 ‐ 29.2%
Aggregate Neighborhood Income $463.1 Million $334.4 Million $302.6 Million 38.5%
Aggregate Income per Acre $209,983 (10.6 times the metropolitan area income per acre* )
% Informal Economy 5.1%
% Owner Occupancy ‐ Unit 30% 41% 36%  
% Owner Occupancy ‐ Bldg 56%    
Median Home Sale Value $67,831 $61,729 ‐ 9.9%
Res New Cons Permits 2000 ‐ 2010** 130
Res Rehab Permits 2000 ‐ 2010** 1,841
2006 ‐ 2010 All Addresses 2.1% 2008 $49,173 94%
2008 ‐ 2010 Residential 2.6% 2009 $43,585 72%
2008 ‐ 2010 Commercial 6.2% 2010 $48,026 90%
South Broadway
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 16 15.9 $28.5 million    
Full Service Grocers Only 2 2.0 2.5 0.75 mi   $4.7 million 13,558
Banks & Credit Unions 3 3.0   % of households lacking credit histories = 42%
Banks Only 3 3.0 0.55 mi
Nontraditional Lenders 1 1.0 1.04 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.59
All Retail $129.2 Million ‐$3.7 Million All Retail $125.5 Million
Apparel $1.1 Million $10.8 Million 31,906 Apparel $11.9 Million
Grocery  (within the area boundary) $31.6 Million Grocery $28.5 Million
Restaurants $14.7 Million $5.6 Million 24,137 Home Appliances $2.6 Million
Home Furnishings & Décor $15.2 Million
Housekeeping Supplies $5.3 Million
Music, Radio, Television $8.5 Million
All Businesses 502 $1,125.1 Million 5,619 Personal Care & Drug $9.4 Million
Micro Businesses (1 ‐ 5 Empl.) 319 $121.1 Million 812 Pets, Toys, Hobbies $5.1 Million
Small Businesses (6 ‐ 50 Empl.) 157 $596.4 Million 2,478 Reading $0.8 Million
Medium & Large Businesses (>50 Empl.) 25 $407.6 Million 2,329 Restaurants $20.3 Million
USPS Commercial Delivery Addr. '09 517 Public Transportation $3.4 Million
Resident Retail Spending per Acre $56,925
South Broadway
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 31,312 27,521 30,633 13.8%
Population per Acre 15.9 14.0 15.6  
Total Households 13,929 12,239 14,977 13.8%
USPS Residential Delivery Addr. '10 12,351
Average Household Income $59,220 $45,153 $32,135 31.2%
Median Household Income $45,041 $35,468 ‐ 27.0%
Aggregate Neighborhood Income $824.9 Million $557.8 Million $481.3 Million 47.9%
Aggregate Income per Acre $419,863 (21.3 times the metropolitan area income per acre* )
% Informal Economy 6.1%
% Owner Occupancy ‐ Unit 30% 43% 35%  
% Owner Occupancy ‐ Bldg 63%    
Median Home Sale Value $127,750 $100,867 ‐ 26.7%
Res New Cons Permits 2000 ‐ 2010** 378
Res Rehab Permits 2000 ‐ 2010** 2,724
2006 ‐ 2010 All Addresses 1.9% 2008 $76,599 138%
2008 ‐ 2010 Residential 2.0% 2009 $75,150 134%
2008 ‐ 2010 Commercial ‐1.1% 2010 $74,752 133%
South Grand
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 17 12.2 $40.1 million    
Full Service Grocers Only 7 5.0 3.0 0.43 mi   ‐$7.2 million ‐
Banks & Credit Unions 4 2.9   % of households lacking credit histories = 46%
Banks Only 4 2.9 0.57 mi
Nontraditional Lenders 5 3.6 0.47 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.35
All Retail $92.3 Million $102.6 Million All Retail $194.8 Million
Apparel $9.8 Million $9.2 Million 27,008 Apparel $18.9 Million
Grocery  (within the area boundary) $72.4 Million Grocery $40.1 Million
Restaurants $24.2 Million $8.6 Million 36,768 Home Appliances $4.2 Million
Home Furnishings & Décor $25.2 Million
Housekeeping Supplies $8.2 Million
Music, Radio, Television $12.9 Million
All Businesses 524 $460.5 Million 4,884 Personal Care & Drug $14.3 Million
Micro Businesses (1 ‐ 5 Empl.) 356 $157.5 Million 936 Pets, Toys, Hobbies $8.0 Million
Small Businesses (6 ‐ 50 Empl.) 156 $227.1 Million 2,073 Reading $1.3 Million
Medium & Large Businesses (>50 Empl.) 9 $75.8 Million 1,875 Restaurants $32.8 Million
USPS Commercial Delivery Addr. '09 485 Public Transportation $6.0 Million
Resident Retail Spending per Acre $99,164
South Grand
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 20,675 20,175 21,872 2.5%
Population per Acre 1.7 1.7 1.8  
Total Households 8,089 7,899 9,035 2.4%
USPS Residential Delivery Addr. '10 8,115
Average Household Income $58,460 $56,078 $46,554 4.2%
Median Household Income $46,382 $45,058 ‐ 2.9%
Aggregate Neighborhood Income $472.9 Million $426.7 Million $420.6 Million 10.8%
Aggregate Income per Acre $38,802 (2.0 times the metropolitan area income per acre* )
% Informal Economy 2.2%
% Owner Occupancy ‐ Unit 72% 53% 53%  
% Owner Occupancy ‐ Bldg 79%    
Median Home Sale Value ‐ $102,526 ‐ ‐
Res New Cons Permits 2000 ‐ 2010** 60
Res Rehab Permits 2000 ‐ 2010** 1,940
2006 ‐ 2010 All Addresses ‐5.5% 2008 $50,107 8%
2008 ‐ 2010 Residential ‐2.7% 2009 $42,784 ‐8%
2008 ‐ 2010 Commercial 3.2% 2010 $41,445 ‐11%
Spanish Lake CDP
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 8 9.9 $26.5 million    
Full Service Grocers Only 1 1.2 1.9 1.58 mi   $9.2 million 26,849
Banks & Credit Unions 2 2.5   % of households lacking credit histories = 29%
Banks Only 2 2.5 1.12 mi
Nontraditional Lenders 0 0.0 2.29 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 0.51
All Retail $86.2 Million $28.4 Million All Retail $114.6 Million
Apparel $0.9 Million $10.2 Million 29,963 Apparel $11.0 Million
Grocery  (within the area boundary) $24.8 Million Grocery $26.5 Million
Restaurants $11.6 Million $7.8 Million 33,417 Home Appliances $2.5 Million
Home Furnishings & Décor $14.8 Million
Housekeeping Supplies $4.8 Million
Music, Radio, Television $7.6 Million
All Businesses 296 $351.1 Million 3,725 Personal Care & Drug $8.4 Million
Micro Businesses (1 ‐ 5 Empl.) 185 $65.3 Million 469 Pets, Toys, Hobbies $4.7 Million
Small Businesses (6 ‐ 50 Empl.) 96 $189.5 Million 1,441 Reading $0.8 Million
Medium & Large Businesses (>50 Empl.) 15 $96.3 Million 1,815 Restaurants $19.4 Million
USPS Commercial Delivery Addr. '09 193 Public Transportation $3.5 Million
Resident Retail Spending per Acre $9,403
Spanish Lake CDP
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
Total Population 15,189 14,332 15,253 6.0%
Population per Acre 5.6 5.3 5.6  
Total Households 5,821 5,487 6,241 6.1%
USPS Residential Delivery Addr. '10 5,386
Average Household Income $55,729 $54,084 $43,440 3.0%
Median Household Income $43,133 $44,461 ‐ ‐3.0%
Aggregate Neighborhood Income $324.4 Million $297.0 Million $271.1 Million 9.2%
Aggregate Income per Acre $119,486 (6.1 times the metropolitan area income per acre* )
% Informal Economy 3.4%
% Owner Occupancy ‐ Unit 68% 71% 71%  
% Owner Occupancy ‐ Bldg 72%    
Median Home Sale Value $54,500 $82,405 ‐ ‐33.9%
Res New Cons Permits 2000 ‐ 2010** 23
Res Rehab Permits 2000 ‐ 2010** 1,515
2006 ‐ 2010 All Addresses ‐5.6% 2008 $41,499 ‐4%
2008 ‐ 2010 Residential ‐3.7% 2009 $40,321 ‐7%
2008 ‐ 2010 Commercial ‐1.4% 2010 $38,235 ‐12%
West Ferguson
DrillDown Market Overview SocialCompact
MARKET SIZE
2011
DRILLDOWN
2010
Census
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STABILITY
2009
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
MARKET STRENGTH
2011
DRILLDOWN
2011
Census Est
 2000
Census
Comparison
DrillDown/Trad. Est.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
2‐Feb‐12
MARKET CHANGE
USPS Delivery Addresses % Change
New Home Buyers'
Average Household Income
% Change from 
Census 2000
Notes: 
* St. Louis  8 county regional planning area  
** Parcels with permit activity
All Grocers 9 15.5 $19.1 million    
Full Service Grocers Only 3 5.2 3.5 0.89 mi   ‐$3.4 million ‐
Banks & Credit Unions 2 3.4   % of households lacking credit histories = 25%
Banks Only 2 3.4 1.09 mi
Nontraditional Lenders 3 5.2 1.26 mi
Relative Distance ‐ Banks to Nontraditional Lenders = 1.12
All Retail $190.6 Million ‐$110.0 Million All Retail $80.6 Million
Apparel $0.3 Million $7.4 Million 21,893 Apparel $7.8 Million
Grocery  (within the area boundary) $37.6 Million Grocery $19.1 Million
Restaurants $9.6 Million $4.0 Million 16,986 Home Appliances $1.7 Million
Home Furnishings & Décor $10.2 Million
Housekeeping Supplies $3.4 Million
Music, Radio, Television $5.4 Million
All Businesses 353 $687.8 Million 4,665 Personal Care & Drug $5.9 Million
Micro Businesses (1 ‐ 5 Empl.) 236 $104.8 Million 613 Pets, Toys, Hobbies $3.3 Million
Small Businesses (6 ‐ 50 Empl.) 96 $201.7 Million 1,516 Reading $0.5 Million
Medium & Large Businesses (>50 Empl.) 20 $381.3 Million 2,536 Restaurants $13.5 Million
USPS Commercial Delivery Addr. '09 267 Public Transportation $2.4 Million
Resident Retail Spending per Acre $29,688
West Ferguson
DrillDown Market Overview SocialCompact
GROCERY DEMAND Total #  
Total # per 
10K HH
Sq. Ft. per Capita 
(10min)
Average
Distance
Resident
Expenditures
Est Leakage
(10 min)
Sq. Ft.
Potential
RETAIL DEMAND
Estimated
Revenue
Estimated
Leakage
Sq. Ft.
Potential
RETAIL DEMAND
Resident
Expenditures
FINANCIAL SERVICES Total #    # per 10K HH  
Average
Distance
2‐Feb‐12
BUSINESS ENVIRONMENT Total #
Estimated
Revenue
Total
Employees
Note: Business size categories may not total the sum of all businesses; "All Businesses" includes business 
establishments reporting "0" or no employees.
For more information on the DrillDown indicators, data and sources please see Social Compact's DrillDown Glossary & Sources 
or please visit our website at: www.socialcompact.org.  
DrillDown Glossary & Sources
SocialCompact
TOTAL POPULATION AND HOUSEHOLDS: The DrillDown assembles a list of
residenal addresses from municipal and proprietary tax assessment records,
municipal building permit records, ulity hookups, and credit bureau records.
Households, also known as occupied units, are determined by mulplying the total
number of residenal addresses by the occupancy rate, determined through
analysis of ulity usage records, at the block group level. Total populaon is
calculated by mulplying the number of households by the average household size
and adding this number to the populaon in group quarters. Average household
size and populaon in group quarters are provided at the block group level by the
most recent census; group quarters populaon excludes individuals in correconal
facilies.

POPULATION PER ACRE: The DrillDown total populaon esmate divided by the
acreage of the study area. Land area measurements are obtained from the U.S.
Census Bureau as the size, in square units (metric and nonmetric) of all areas
designated as land in the Census Bureau's naonal geographic Topologically
Integrated Geographic Encoding and Referencing (TIGER®) system.

AVERAGE HOUSEHOLD INCOME: Ulizing credit bureau income esmates, Social
Compact calculates the income distribuon, or the number of households per
income bracket, for a given geography. The average income at the block group level
is calculated by applying the U.S. Bureau of Labor and Stascs 2009 Consumer
Expenditure Survey (CE) esmated average income for individuals within a
parcular income bracket to the income distribuon determined. The DrillDown
average household income esmate is then adjusted to include the proporon of
neighborhood income aributed to informal economic acvity.

MEDIAN HOUSEHOLD INCOME: Ulizing credit bureau income esmates, Social
Compact calculates the income distribuon, or the number of households per
income bracket, for a given geography. The median household income is the income
of the household that divides the number of upper-income and lower-income
households into two equal parts.

AGGREGATE NEIGHBORHOOD INCOME: Ulizing credit bureau income esmates,
Social Compact calculates the income distribuon, or the number of households per
income bracket, for a given geography. The aggregate income is calculated as the
sum of the total number of households in each income bracket mulplied by the
average household income for that income bracket. The DrillDown aggregate
neighborhood income esmate is then adjusted to include the proporon of
neighborhood income aributed to informal economic acvity.

AGGREGATE NEIGHBORHOOD INCOME PER ACRE: The aggregate neighborhood
income divided by the total acreage of the study area. Land area measurements are
obtained from the U.S. Census Bureau as the size, in square units (metric and
nonmetric) of all areas designated as land in the Census Bureau's naonal
geographic Topologically Integrated Geographic Encoding and Referencing (TIGER®)
system.

% INFORMAL ECONOMY: An esmate of the proporon of neighborhood income
aributed to informal economic acvity. By weighng the following proxies, the
DrillDown esmates the monetary value of unregulated economic acvity:
households with income below $30,000; difference between household income and
household expenditures; the percentage of households with no credit record; the
number of nontradional financial service providers per household and per acre;
the difference between esmated housing costs and real home values; and the
percent foreign born populaon. The DrillDown average household income
esmate is adjusted to include the proporon of neighborhood income aributed
to informal economic acvity; median household income is not.

% CHANGE IN USPS DELIVERY ADDRESSES/OCCUPANCY: The change in the total
number of residenal and commercial addresses excluding addresses idenfied as
vacant (not collecng mail for 90 days or longer) or no-stat (not occupied). The U.S.
Postal Service Administrave Data on Address Vacancies is provided by the U.S.
Department of Housing and Urban Development (HUD) on a quarterly basis at the
census tract level. Social Compact ulizes the earliest (March 2006) and latest (Sept
2010) available data to calculate the percent change. Tract level data is adjusted to
different geographies by weighng the number of postal counts to the Census 2000
households at the block group level.

AVERAGE INCOME OF NEW HOME BUYERS: The average household income of
individuals who received a home loan for purchase of a one to four unit structure
intended as the primary residence (not rental or second home). The data is
provided at the census tract level by the Federal Financial Instuons Examinaon
Council (FFIEC) and is made available through the Home Mortgage Disclosure Act
DrillDown Glossary & Sources
SocialCompact
(HMDA). Social Compact ulizes data from 2006 through 2010 to calculate the
average household income and the percent change from the Census 2000 average
income of neighborhood residents. Tract level data is adjusted to different
geographies by weighng the number of home purchase loans to the Census 2000
households at the block group level.

ALL BUSINESSES: An indicator of an area’s business environment (total businesses,
total annual revenue). The total number of businesses (including nonprofit and
community based organizaons, educaonal instuons and churches) and total
revenue (annual sales revenue) based on 2009 lisngs provided by ESRI Business
Analyst and/or InfoUSA. Business employees are based on block group level data
from STI: PopStats, 2011.

Micro Businesses: The total number of businesses with 5 employees or less based
on 2009 lisngs provided by ESRI Business Analyst and/or InfoUSA.

Small Businesses: The total number of businesses with 6 to 50 employees based on
2009 lisngs provided by ESRI Business Analyst and/or InfoUSA.

Medium and Large Businesses: The total number of businesses with 51 employees
or more based on 2009 lisngs provided by ESRI Business Analyst and/or InfoUSA.

ALL RETAIL: Based on 2009 lisngs provided by ESRI Business Analyst, InfoUSA and/
or ACNielsen, Social Compact calculates the total number of retail businesses for
the study area. Retail businesses are idenfied based on the North American
Industry Classificaon System (NAICS) codes and are considered establishments
organized to sell merchandise in small quanes to the general public. Social
Compact further subdivides its retail analysis based on the following categories:
apparel and grocers. The sum of these categories is not necessarily the total of all
retail businesses.

APPAREL (RETAILERS): Retail business establishments organized to sell merchandise
in small quanes to the general public primarily engaged in retailing a general line
of men’s, women’s and children’s clothing and accessories (hats, shoes, etc.).

ALL GROCERS (RETAILERS): All food retailers that sell food for home consumpon
and preparaon (supermarkets, corner stores, convenience stores, etc.) based on
2009 lisngs provided by AC Nielsen. This category does not include restaurants,
carry-out establishments, etc.

FULL SERVICE GROCERS (RETAILERS): Food retailers with 20 or more employees
and/or of 10,000 square feet or more based on 2009 lisngs provided by ACNielsen
(including the following: Supermarket-Convenonal, Supermarket-Limited
Assortment, Supercenter, Natural/Gourmet Foods, Warehouse Store, Military
Commissary, and/or Superee/Small Grocery). Full Service Grocers may include
food retailers of 10,000 square feet or less or with fewer than 20 employees if
products from each and all of the following categories are regularly available: fruits,
vegetables, dairy, meat, and breads. Note: This category does not include
convenience stores, restaurants, or carry-out establishments.

RESTAURANTS: All business establishments primarily engaged in providing food
services to patrons.

ESTIMATED REVENUE: The annual sales revenues for retail businesses based on
2009 lisngs provided by ESRI Business Analyst, InfoUSA and/or ACNielsen.

RESIDENT EXPENDITURES: Social Compact calculates residents’ retail expenditures
through an analysis of household income and average consumer spending on goods
and services provided by the most recent Consumer Expenditure Survey (CE). The
CE is a naonal account conducted by the Bureau of Labor Stascs (BLS) of the U.S.
Department of Labor and administered by the Census Bureau. The CE expenditure
categories are then matched to corresponding North American Industry
Classificaon System (NAICS) codes for exisng retail businesses.

All Retail: includes expenditures at all establishments organized to sell merchandise
in small quanes to the general public.

Apparel: includes men's, women’s, and children’s clothing and accessories (hats,
shoes, etc).

Grocery: includes food at grocery stores (or other food stores) and food prepared
by the consumer on trips, excluding the purchase of nonfood items.

Home Appliances: includes refrigerators and freezers, dishwashers and garbage
DrillDown Glossary & Sources
SocialCompact
disposals, stoves and ovens, vacuum cleaners, microwaves, air-condioners, sewing
machines, washing machines and dryers, and floor cleaning equipment; small
electrical kitchen appliances, portable heang and cooling equipment, china and
other dinnerware, flatware, glassware, silver and other serving pieces, nonelectric
cookware, and plasc dinnerware (excludes personal care appliances).

Home Furnishings & Décor: includes bathroom, bedroom, kitchen and dining room,
other linens, curtains and drapes, slipcovers and decorave pillows, and sewing
materials; living room; dining room; kitchen; bedroom; nursery; porch, lawn, and
other outdoor furniture; includes new and replacement wall-to-wall carpets, room-
size rugs, and other non-permanent floor coverings; typewriters, luggage, lamps
and light fixtures, window coverings, clocks, lawnmowers and gardening
equipment, other hand and power tools, telephone answering devices, telephones
and accessories, computers and computer hardware for home use, computer
soware and accessories for home use, calculators, business equipment for home
use, floral arrangements and house plants, rental of furniture, closet and storage
items, other household decorave items, infants' equipment, outdoor equipment,
smoke alarms, other household appliances, and other small miscellaneous
furnishings.

Housekeeping Supplies: includes laundry and cleaning supplies, cleaning and toilet
ssues, staonery supplies, postage, delivery services, miscellaneous household
products, and lawn and garden supplies.

Music, Radio, Television: includes television sets, video recorders, video cassees,
tapes, discs, disc players, video game hardware, video game cartridges, cable TV,
radios, phonographs, tape recorders and players, sound components, records,
compact discs, and tapes (including records, compact discs, and tapes purchased
through mail order clubs), musical instruments, and rental and repair of TV and
sound equipment.

Personal Care & Drug: includes products for hair, oral hygiene, shaving needs,
cosmecs and bath, electric personal care appliances, other personal care products,
and services for men and women; nonprescripon drugs and vitamins; and
prescripon drugs.

Pets, Toys, Hobbies: includes pets, pet food, pet services, veterinary expenses, etc.;
toys, games, hobbies, and tricycles; and playground equipment.

Reading: includes subscripons for newspapers and magazines; books through
book clubs; the purchase of single-copy newspapers, magazines, newsleers, books,
and encyclopedias and other reference books.

Restaurants: includes all meals (breakfast and brunch, lunch, dinner and snacks and
nonalcoholic beverages) including ps at fast food, take-out, delivery, concession
stands, buffet and cafeteria, at full-service restaurants, and at vending machines
and mobile vendors.

Public TransportaƟon: includes fares for mass transit, buses, trains, airlines, taxis,
school buses for which a fee is charged, and boats.

ESTIMATED LEAKAGE: An esmate derived through subtracng annual sales
revenue from residents’ annual aggregate expenditures. Leakage is presented as a
dollar amount that is meant to idenfy the gap between available retail within the
neighborhood and the retail spending of residents themselves. A posive leakage
number means residents’ expenditures exceed retail business revenues in the study
area, suggesng unmet demand. A negave leakage number means retail business
revenues exceed residents’ aggregate expenditures. This may indicate the presence
of a shopping district or other retail desnaon or may be the result of significant
visitor or tourist retail spending. Thus, an esmate of zero or negave leakage does
not necessarily imply that neighborhoods are sufficiently retailed, rather that
parcular demand is not revealed through broad aggregate numbers.

ADDITIONAL ESTIMATED SQUARE FEET: The total square feet of retail space the
esmated leakage could potenally support; based on the Internaonal Council of
Shopping Center’s (ICSC) naonal esmates of retail revenue per square foot for
grocery and apparel retailers and restaurants. This figure is not available for all
retailers.

TRADITIONAL FINANCIAL SERVICE INSTITUTIONS: Banks and credit unions; lisngs
of insured banks provided by the Federal Deposit Insurance Corporaon (FDIC),
2009, and credit unions by the Naonal Credit Union Administraon, 2009.

NONTRADITIONAL FINANCIAL SERVICE INSTITUTIONS: Pawnshops, payday lenders,
DrillDown Glossary & Sources
SocialCompact
and check cashing establishments; based on 2009 lisngs provided by ESRI Business
Analyst and/or InfoUSA.

AVERAGE DISTANCE: Represents the average of the distance in miles from each
census block group center to the nearest establishment (irrespecve of
neighborhood boundaries). This assessment includes establishments in the study
area and up to two miles beyond the study area boundary. In the case that an
establishment is located on or just beyond the neighborhood boundaries used in
the DrillDown analysis, this indicator serves as a more accurate determinant of
residents’ access to these services.

RELATIVE DISTANCE: Represents the rao of the average of the distance in miles
from each census block group center to the nearest nontradional financial
instuon compared to the average of the distance in miles from each census block
group center to the nearest tradional financial instuon.

% of HOUSEHOLDS LACKING CREDIT HISTORIES: A percentage of households
lacking an associated record with any of the three major credit bureaus (Axciom,
Equifax, and Experian); this indicator serves as a proxy for underbanked households.

GENERAL DRILLDOWN DATA SOURCES: Acxiom Corporaon, 2010; Claritas, 2010;
Bureau of Labor Stascs, Consumer Expenditure Survey 2009; Credit Union
Naonal Associaon, 2009; Equifax Corporaon, 2010; Experian Corporaon, 2010;
ESRI Business Analyst 2009; Federal Deposit Insurance Corporaon, 2009;
CoreLogic, 2009; InfoUSA, 2009; Synergos Technologies Inc. PopStats, 2011; U.S.
Census Bureau, Census 2000; Census 2010; U.S. Department of Housing and Urban
Development (HUD), Home Mortgage Disclosure Act (HMDA), 2006 to 2010; U.S.
Department of Labor, 2004; U.S. Postal Service, 2006 to 2010; City of St. Louis and
St. Louis County data, 2005 to 2010.