63304 — St. Charles County, Missouri Market Snapshot
Housing market data for zip code 63304 in St. Charles County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
100 sales in 2026 (year to date)
Median Sale Price
$453,750
Days to Sell
7
Homes Sold
100
Inventory
41
Sale-to-List
102.1%
New Listings
152
Price/SqFt
$187
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63304 can comfortably use conventional financing. The median home price of $453,750 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
63304 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 63304 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 63304 can comfortably use conventional financing. The median home price of $453,750 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 63304 are set at the county level.
2026 Loan Limits — St. Charles 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 63304
To purchase the median home at $453,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,626.
Monthly Payment
$3,626
Income Required
$155,421
Principal & Interest
$2,796/mo
Down Payment (5%)
$22,688
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 63304.
Estimated Monthly Payment
$2,958
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 63304. Tell us what you're looking for.