62204 — St. Clair County, Illinois Market Snapshot
Housing market data for zip code 62204 in St. Clair County, Illinois. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Clair County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$17,450
Days to Sell
106
Homes Sold
2
Inventory
11
Conforming Loan Available
Most homebuyers in 62204 can comfortably use conventional financing. The median home price of $17,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 106 days on average, 62204 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 62204 can comfortably use conventional financing. The median home price of $17,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 62204 are set at the county level.
2026 Loan Limits — St. Clair County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 62204
To purchase the median home at $17,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $284.
Monthly Payment
$284
Income Required
$12,158
Principal & Interest
$108/mo
Down Payment (5%)
$873
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 62204.
Estimated Monthly Payment
$258
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