63121 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63121 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$75,500
Days to Sell
20
Homes Sold
57
Inventory
102
Sale-to-List
95.4%
New Listings
135
Price/SqFt
$76
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63121 can comfortably use conventional financing. The median home price of $75,500 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 63121 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 63121 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63121 can comfortably use conventional financing. The median home price of $75,500 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 63121 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 63121
To purchase the median home at $75,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $728.
Monthly Payment
$728
Income Required
$31,220
Principal & Interest
$465/mo
Down Payment (5%)
$3,775
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 63121.
Estimated Monthly Payment
$617
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