63038 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63038 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$669,900
Days to Sell
16
Homes Sold
27
Inventory
18
Sale-to-List
101.1%
New Listings
49
Price/SqFt
$187
Pending Sales
N/A
Conforming Loan Available
The median home in 63038 at $669,900 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 63038 are moving quickly at 16 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 63038 (101.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 63038 at $669,900 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 63038 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 63038
To purchase the median home at $669,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,283.
Monthly Payment
$5,283
Income Required
$226,395
Principal & Interest
$4,128/mo
Down Payment (5%)
$33,495
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 63038.
Estimated Monthly Payment
$4,296
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