63088 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63088 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$259,500
Days to Sell
6
Homes Sold
24
Inventory
12
Sale-to-List
102.1%
New Listings
29
Price/SqFt
$192
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63088 can comfortably use conventional financing. The median home price of $259,500 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
63088 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 63088 are selling 2.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 63088 can comfortably use conventional financing. The median home price of $259,500 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 63088 are set at the county level.
2026 Loan Limits — St. Louis 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 63088
To purchase the median home at $259,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,138.
Monthly Payment
$2,138
Income Required
$91,638
Principal & Interest
$1,599/mo
Down Payment (5%)
$12,975
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 63088.
Estimated Monthly Payment
$1,756
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