63111 — St. Louis city, Missouri Market Snapshot
Housing market data for zip code 63111 in St. Louis city, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$145,970
Days to Sell
32
Homes Sold
56
Inventory
75
Sale-to-List
95.1%
New Listings
98
Price/SqFt
$98
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63111 can comfortably use conventional financing. The median home price of $145,970 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
63111's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 63111 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63111 can comfortably use conventional financing. The median home price of $145,970 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 63111 are set at the county level.
2026 Loan Limits — St. Louis city
| 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 63111
To purchase the median home at $145,970 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,268.
Monthly Payment
$1,268
Income Required
$54,359
Principal & Interest
$899/mo
Down Payment (5%)
$7,299
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 63111.
Estimated Monthly Payment
$1,053
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