63386 — St. Charles County, Missouri Market Snapshot
Housing market data for zip code 63386 in St. Charles County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Charles County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$344,655
Days to Sell
151
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 63386 can comfortably use conventional financing. The median home price of $344,655 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 151 days on average, 63386 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 63386 can comfortably use conventional financing. The median home price of $344,655 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 63386 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 63386
To purchase the median home at $344,655 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,791.
Monthly Payment
$2,791
Income Required
$119,599
Principal & Interest
$2,124/mo
Down Payment (5%)
$17,233
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 63386.
Estimated Monthly Payment
$2,283
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