63116 — St. Louis city, Missouri Market Snapshot
Housing market data for zip code 63116 in St. Louis city, 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. Louis city county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$432,448
Days to Sell
32
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 63116 can comfortably use conventional financing. The median home price of $432,448 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
63116'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.
Conforming Loan Feasibility
Most homebuyers in 63116 can comfortably use conventional financing. The median home price of $432,448 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 63116 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 63116
To purchase the median home at $432,448 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,463.
Monthly Payment
$3,463
Income Required
$148,426
Principal & Interest
$2,665/mo
Down Payment (5%)
$21,622
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 63116.
Estimated Monthly Payment
$2,826
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