63113 — St. Louis city, Missouri Market Snapshot
Housing market data for zip code 63113 in St. Louis city, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$85,027
Days to Sell
114
Homes Sold
10
Inventory
35
Sale-to-List
82.3%
New Listings
25
Price/SqFt
$35
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63113 can comfortably use conventional financing. The median home price of $85,027 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 114 days on average, 63113 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 63113 sells for 17.7% below asking price (82.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63113 can comfortably use conventional financing. The median home price of $85,027 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 63113 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 63113
To purchase the median home at $85,027 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $801.
Monthly Payment
$801
Income Required
$34,348
Principal & Interest
$524/mo
Down Payment (5%)
$4,251
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 63113.
Estimated Monthly Payment
$676
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