63341 — St. Charles County, Missouri Market Snapshot
Housing market data for zip code 63341 in St. Charles County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$764,950
Days to Sell
10
Homes Sold
16
Inventory
13
Sale-to-List
99.3%
New Listings
27
Price/SqFt
$228
Pending Sales
N/A
Conforming Loan Available
The median home in 63341 at $764,950 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
63341 is an extremely competitive market with homes selling in just 10 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 63341 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 63341 at $764,950 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 63341 are set at the county level.
2026 Loan Limits — St. Charles 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 63341
To purchase the median home at $764,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,011.
Monthly Payment
$6,011
Income Required
$257,606
Principal & Interest
$4,713/mo
Down Payment (5%)
$38,248
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 63341.
Estimated Monthly Payment
$4,884
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