63376 — St. Charles County, Missouri Market Snapshot
Housing market data for zip code 63376 in St. Charles County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Charles County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$390,400
Days to Sell
4
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 63376 can comfortably use conventional financing. The median home price of $390,400 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
63376 is an extremely competitive market with homes selling in just 4 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 63376 can comfortably use conventional financing. The median home price of $390,400 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 63376 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 63376
To purchase the median home at $390,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,141.
Monthly Payment
$3,141
Income Required
$134,619
Principal & Interest
$2,406/mo
Down Payment (5%)
$19,520
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 63376.
Estimated Monthly Payment
$2,566
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