63601 — St. Francois County, Missouri Market Snapshot
Housing market data for zip code 63601 in St. Francois County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$168,750
Days to Sell
49
Homes Sold
62
Inventory
38
Sale-to-List
99.5%
New Listings
61
Price/SqFt
$133
Pending Sales
69
Conforming Loan Available
Most homebuyers in 63601 can comfortably use conventional financing. The median home price of $168,750 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
63601's market is balanced with homes taking an average of 49 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 63601 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63601 can comfortably use conventional financing. The median home price of $168,750 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 63601 are set at the county level.
2026 Loan Limits — St. Francois 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 63601
To purchase the median home at $168,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,443.
Monthly Payment
$1,443
Income Required
$61,839
Principal & Interest
$1,040/mo
Down Payment (5%)
$8,438
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 63601.
Estimated Monthly Payment
$1,194
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