63124 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63124 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$1,302,000
Days to Sell
20
Homes Sold
37
Inventory
16
Sale-to-List
101.5%
New Listings
53
Price/SqFt
$333
Pending Sales
N/A
Jumbo Loan Likely Needed
The median home in 63124 at $1,302,000 exceeds the 2026 conforming loan limit of $832,750 by $469,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 63124 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 63124 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 63124 at $1,302,000 exceeds the 2026 conforming loan limit of $832,750 by $469,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 63124 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 63124
To purchase the median home at $1,302,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,126.
Monthly Payment
$10,126
Income Required
$433,950
Principal & Interest
$8,023/mo
Down Payment (5%)
$65,100
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 63124.
Estimated Monthly Payment
$8,208
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 63124.
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