63146 — St. Louis County, Missouri Market Snapshot
Housing market data for zip code 63146 in St. Louis County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
121 sales in 2026 (year to date)
Median Sale Price
$328,475
Days to Sell
10
Homes Sold
121
Inventory
55
Sale-to-List
100.4%
New Listings
166
Price/SqFt
$164
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63146 can comfortably use conventional financing. The median home price of $328,475 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
63146 is an extremely competitive market with homes selling in just 10 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 63146 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63146 can comfortably use conventional financing. The median home price of $328,475 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 63146 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 63146
To purchase the median home at $328,475 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,667.
Monthly Payment
$2,667
Income Required
$114,286
Principal & Interest
$2,024/mo
Down Payment (5%)
$16,424
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 63146.
Estimated Monthly Payment
$2,183
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