62220 — St. Clair County, Illinois Market Snapshot
Housing market data for zip code 62220 in St. Clair County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$158,000
Days to Sell
38
Homes Sold
68
Inventory
67
Sale-to-List
101.7%
New Listings
101
Price/SqFt
$106
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 62220 can comfortably use conventional financing. The median home price of $158,000 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
62220's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 62220 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62220 can comfortably use conventional financing. The median home price of $158,000 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 62220 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 62220
To purchase the median home at $158,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,361.
Monthly Payment
$1,361
Income Required
$58,309
Principal & Interest
$974/mo
Down Payment (5%)
$7,900
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 62220.
Estimated Monthly Payment
$1,128
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