62239 — St. Clair County, Illinois Market Snapshot
Housing market data for zip code 62239 in St. Clair County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$188,000
Days to Sell
42
Homes Sold
11
Inventory
11
Sale-to-List
97.4%
New Listings
18
Price/SqFt
$108
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 62239 can comfortably use conventional financing. The median home price of $188,000 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
62239's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 62239 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 62239 can comfortably use conventional financing. The median home price of $188,000 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 62239 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 62239
To purchase the median home at $188,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,590.
Monthly Payment
$1,590
Income Required
$68,160
Principal & Interest
$1,158/mo
Down Payment (5%)
$9,400
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 62239.
Estimated Monthly Payment
$1,313
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