63020 — Jefferson County, Missouri Market Snapshot
Housing market data for zip code 63020 in Jefferson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$260,950
Days to Sell
29
Homes Sold
70
Inventory
49
Sale-to-List
99.5%
New Listings
87
Price/SqFt
$166
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63020 can comfortably use conventional financing. The median home price of $260,950 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 63020 are moving quickly at 29 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 63020 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63020 can comfortably use conventional financing. The median home price of $260,950 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 63020 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 63020
To purchase the median home at $260,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,149.
Monthly Payment
$2,149
Income Required
$92,113
Principal & Interest
$1,608/mo
Down Payment (5%)
$13,048
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 63020.
Estimated Monthly Payment
$1,765
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