ZIP Code Market Report · Updated May 2026
Is 63101 a Buyer's
or Seller's Market?
📍 St. Louis, Missouri · MO
65
🟡 WARM
Balanced market
32 days avg on market · Tax rate: 1.65%/yr
Mortgage Breakdown — 63101
Median Price$250,000
20% Down$50,000
Loan Amount$200,000
Rate (~6.7%)$1,290/mo P&I
Property Tax$343/mo
Total PITI$1,737/mo
Income Needed$57,900/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
20.9%
of FHA applications denied in St. Louis, MO-IL, 2025 · national 22.1%
GUILD MORTGAGE COMPANY
7.3% NEW AMERICAN FUNDING, LLC.
16.7% FREEDOM MORTGAGE CORPORATION
16.7% United Wholesale Mortgage
19.0% A 19.9-point spread between the busiest FHA lenders in this metro.
Loans under $150K denied at 32.9% versus 14.3% above $250K.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →