63118 — St. Louis city, Missouri Market Snapshot
Housing market data for zip code 63118 in St. Louis city, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$250,000
Days to Sell
22
Homes Sold
27
Inventory
53
Sale-to-List
97.7%
New Listings
56
Price/SqFt
$84
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63118 can comfortably use conventional financing. The median home price of $250,000 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 63118 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 63118 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63118 can comfortably use conventional financing. The median home price of $250,000 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 63118 are set at the county level.
2026 Loan Limits — St. Louis city
| 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 63118
To purchase the median home at $250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,518
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,500
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 63118.
Estimated Monthly Payment
$1,697
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