63138 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63138 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$117,500
Days to Sell
26
Homes Sold
39
Inventory
49
Sale-to-List
97.5%
New Listings
78
Price/SqFt
$95
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63138 can comfortably use conventional financing. The median home price of $117,500 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
Homes in 63138 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 63138 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63138 can comfortably use conventional financing. The median home price of $117,500 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 63138 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 63138
To purchase the median home at $117,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,050.
Monthly Payment
$1,050
Income Required
$45,011
Principal & Interest
$724/mo
Down Payment (5%)
$5,875
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 63138.
Estimated Monthly Payment
$877
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