63129 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63129 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$147,400
Days to Sell
76
Homes Sold
32
Inventory
18
Sale-to-List
97.3%
New Listings
31
Price/SqFt
$143
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63129 can comfortably use conventional financing. The median home price of $147,400 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
With homes sitting for 76 days on average, 63129 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 63129 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63129 can comfortably use conventional financing. The median home price of $147,400 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 63129 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 63129
To purchase the median home at $147,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,279.
Monthly Payment
$1,279
Income Required
$54,828
Principal & Interest
$908/mo
Down Payment (5%)
$7,370
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 63129.
Estimated Monthly Payment
$1,062
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