63012 — Jefferson County, Missouri Market Snapshot
Housing market data for zip code 63012 in Jefferson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$337,500
Days to Sell
22
Homes Sold
20
Inventory
7
Sale-to-List
100.0%
New Listings
29
Price/SqFt
$189
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63012 can comfortably use conventional financing. The median home price of $337,500 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 63012 are moving quickly at 22 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 63012 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63012 can comfortably use conventional financing. The median home price of $337,500 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 63012 are set at the county level.
2026 Loan Limits — Jefferson 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 63012
To purchase the median home at $337,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,736.
Monthly Payment
$2,736
Income Required
$117,249
Principal & Interest
$2,080/mo
Down Payment (5%)
$16,875
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 63012.
Estimated Monthly Payment
$2,239
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