63640 — St. Francois County, Missouri Market Snapshot
Housing market data for zip code 63640 in St. Francois County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Francois County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$207,500
Days to Sell
59
Homes Sold
4
Inventory
N/A
Conforming Loan Available
Most homebuyers in 63640 can comfortably use conventional financing. The median home price of $207,500 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
63640's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 63640 can comfortably use conventional financing. The median home price of $207,500 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 63640 are set at the county level.
2026 Loan Limits — St. Francois 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 63640
To purchase the median home at $207,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,740.
Monthly Payment
$1,740
Income Required
$74,563
Principal & Interest
$1,279/mo
Down Payment (5%)
$10,375
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 63640.
Estimated Monthly Payment
$1,434
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