62207 — St. Clair County, Illinois Market Snapshot
Housing market data for zip code 62207 in St. Clair County, Illinois. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 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
5 sales in 2026 (year to date)
Median Sale Price
$24,667
Days to Sell
9
Homes Sold
5
Inventory
12
Conforming Loan Available
Most homebuyers in 62207 can comfortably use conventional financing. The median home price of $24,667 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
62207 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 62207 can comfortably use conventional financing. The median home price of $24,667 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 62207 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 62207
To purchase the median home at $24,667 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $339.
Monthly Payment
$339
Income Required
$14,528
Principal & Interest
$152/mo
Down Payment (5%)
$1,233
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 62207.
Estimated Monthly Payment
$303
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