63128 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63128 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$405,000
Days to Sell
11
Homes Sold
83
Inventory
25
Sale-to-List
101.7%
New Listings
112
Price/SqFt
$174
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63128 can comfortably use conventional financing. The median home price of $405,000 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
63128 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 63128 (101.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63128 can comfortably use conventional financing. The median home price of $405,000 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 63128 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 63128
To purchase the median home at $405,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,253.
Monthly Payment
$3,253
Income Required
$139,413
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,250
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 63128.
Estimated Monthly Payment
$2,656
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 63128. Tell us what you're looking for.