63070 — Jefferson County, Missouri Market Snapshot
Housing market data for zip code 63070 in Jefferson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$269,900
Days to Sell
36
Homes Sold
25
Inventory
10
Sale-to-List
102.6%
New Listings
28
Price/SqFt
$191
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63070 can comfortably use conventional financing. The median home price of $269,900 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
63070's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 63070 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 63070 can comfortably use conventional financing. The median home price of $269,900 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 63070 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 63070
To purchase the median home at $269,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,218.
Monthly Payment
$2,218
Income Required
$95,052
Principal & Interest
$1,663/mo
Down Payment (5%)
$13,495
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 63070.
Estimated Monthly Payment
$1,820
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