63147 — St. Louis city, Missouri Market Snapshot
Housing market data for zip code 63147 in St. Louis city, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$78,250
Days to Sell
35
Homes Sold
16
Inventory
32
Sale-to-List
93.4%
New Listings
40
Price/SqFt
$70
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63147 can comfortably use conventional financing. The median home price of $78,250 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
63147's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 63147 sells for 6.6% below asking price (93.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63147 can comfortably use conventional financing. The median home price of $78,250 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 63147 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 63147
To purchase the median home at $78,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $750.
Monthly Payment
$750
Income Required
$32,122
Principal & Interest
$482/mo
Down Payment (5%)
$3,913
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 63147.
Estimated Monthly Payment
$634
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