63074 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63074 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$169,500
Days to Sell
12
Homes Sold
44
Inventory
15
Sale-to-List
99.7%
New Listings
63
Price/SqFt
$147
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63074 can comfortably use conventional financing. The median home price of $169,500 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
63074 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 63074 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63074 can comfortably use conventional financing. The median home price of $169,500 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 63074 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 63074
To purchase the median home at $169,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,449.
Monthly Payment
$1,449
Income Required
$62,085
Principal & Interest
$1,044/mo
Down Payment (5%)
$8,475
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 63074.
Estimated Monthly Payment
$1,199
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