63031 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63031 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
157 sales in 2026 (year to date)
Median Sale Price
$186,500
Days to Sell
27
Homes Sold
157
Inventory
116
Sale-to-List
99.6%
New Listings
191
Price/SqFt
$135
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63031 can comfortably use conventional financing. The median home price of $186,500 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
Homes in 63031 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 63031 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63031 can comfortably use conventional financing. The median home price of $186,500 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 63031 are set at the county level.
2026 Loan Limits — St. Louis 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 63031
To purchase the median home at $186,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,579.
Monthly Payment
$1,579
Income Required
$67,667
Principal & Interest
$1,149/mo
Down Payment (5%)
$9,325
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 63031.
Estimated Monthly Payment
$1,304
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 63031. Tell us what you're looking for.