St. Louis FHA Loan Rates, Closing Costs & Stats

ST. LOUIS, MO-IL

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

St. Louis's 181 lenders originated 7,017 FHA loans during 2024. The total origination value was $1,556,745,000, with an average FHA loan value of $221,853.

St. Louis FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in St. Louis averaged 6.55% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

St. Louis's average FHA mortgage closing costs are $6,527.

The average rate for the prior week (2025-03-28) was 6.55% and one month ago for the week of 2025-02-28, the average rate was 6.43%.

The average rate one year ago was 7.05%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.17%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

St. Louis FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the St. Louis level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
GUILD MORTGAGE COMPANY 651 6.60% $8,579
QUICKEN LOANS, LLC 508 6.43% $9,723
BROKER SOLUTIONS, INC. 472 6.87% $9,017
UNITED WHOLESALE MORTGAGE, LLC 349 6.42% $9,540
DAS Acquisition Company, LLC 325 6.84% $8,992
JLB CORPORATION 257 6.15% $9,120
FLAT BRANCH MORTGAGE, INC. 236 6.72% $7,983
FREEDOM MORTGAGE CORPORATION 206 6.56% $11,191
GERSHMAN INVESTMENT CORP. 198 6.70% $7,962
ENDEAVOR CAPITAL, LLC. 181 6.58% $8,178
DELMAR FINANCIAL COMPANY 157 6.70% $7,652
PENNYMAC LOAN SERVICES, LLC 129 6.10% $9,172
LEADERONE FINANCIAL CORPORATION 112 6.63% $9,718
NEWREZ LLC 108 6.52% $8,958
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 95 6.77% $8,230
LOANDEPOT.COM, LLC 83 6.36% $9,676
Stifel Bank and Trust 79 6.11% $7,812
Midwest BankCentre 75 6.08% $6,737
FAMILY FINANCE MORTGAGE, LLC 73 6.63% $8,668
Mr. Cooper ( Nationstar Mortgage ) 71 6.42% $12,046
Carrollton Bank 62 6.41% $6,906
GENEVA FINANCIAL, LLC 61 6.77% $12,040
GUARANTEED RATE, INC. 59 6.84% $7,620
First State Bank of St. Charles, Missouri 58 6.39% $8,933
AMERICAN PACIFIC MORTGAGE CORPORATION 57 6.79% $10,085
MUTUAL OF OMAHA MORTGAGE, INC. 57 6.37% $14,657
PLANET HOME LENDING, LLC 56 6.27% $5,993
GUARANTEED RATE AFFINITY, LLC 55 6.55% $9,503
ARK-LA-TEX FINANCIAL SERVICES, LLC. 54 6.64% $6,532
The Central Trust Bank 53 6.58% $8,507
FIRST INTEGRITY MORTGAGE SERVICES, INC. 50 6.69% $6,333
LAKEVIEW LOAN SERVICING, LLC 48 6.48% $7,975
Regions Bank 47 6.55% $7,054
CROSSCOUNTRY MORTGAGE, LLC 43 6.82% $9,504
Carrington Mortgage Services, LLC 43 6.41% $10,784
VILLAGE CAPITAL MORTGAGE 41 6.64% $4,679
FCB Banks 41 6.22% $5,892
Equity Prime Mortgage LLC 40 7.02% $9,395
U.S. Bank 38 6.57% $6,725
Paramount Bank 38 6.51% $7,805
Flagstar Bank, FSB 37 6.48% $7,450
AMERISAVE MORTGAGE CORPORATION 35 6.29% $12,486
CARDINAL FINANCIAL 35 6.37% $12,221
Mortgage Research Center, LLC 35 6.76% $6,790
EVERETT FINANCIAL, INC. 31 6.81% $8,846
Paramount Residential Mortgage Group, Inc. 31 6.58% $10,938
First Bank 29 6.45% $8,389
ACCESS CAPITAL FUNDING, L.L.C. 29 6.37% $6,674
Nations Lending Corporation 27 6.88% $8,979
Prosperity Home Mortgage, LLC 26 6.22% $11,062
AmeriHome Mortgage Company, LLC 25 6.66% $6,028
TOWNE MORTGAGE COMPANY 24 6.36% $10,929
PLAZA HOME MORTGAGE, INC. 23 7.67% $7,130
AMERICAN FINANCING CORPORATION 22 5.97% $10,955
NP, Inc. 22 6.74% $9,158
FRONTIER FINANCIAL, INC. 21 6.75% $7,371
AMERICAN FINANCIAL NETWORK, INC. 20 6.38% $13,104
ZILLOW HOME LOANS, LLC 18 6.64% $10,011
VICTORY MORTGAGE, L.L.C. 17 6.01% $10,057
COMMUNITY MORTGAGE, LLC 17 6.64% $8,891
SCOTT CREDIT UNION 17 5.87% $5,418
LOANPAL, LLC 17 5.70% $11,402
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 6.67% $7,716
SUN WEST MORTGAGE COMPANY, INC. 15 6.44% $10,707
ROYAL UNITED MORTGAGE LLC 14 6.61% $8,722
The Federal Savings Bank 14 6.48% $14,374
Commerce Bank 14 6.61% $6,614
CMG MORTGAGE, INC. 14 6.53% $11,419
Midland States Bank 14 6.58% $7,878
PRIMARY RESIDENTIAL MORTGAGE, INC. 12 7.01% $9,159
BancorpSouth 12 6.56% $5,715
SOUTHWEST FUNDING, LP 11 7.00% $9,995
First State Community Bank 11 6.63% $7,404
Bank of America 11 6.07% $5,905
Associated Bank 11 6.33% $5,578
Busey Bank 11 6.07% $6,075
T2 FINANCIAL LLC 10 6.41% $10,722
MOVEMENT MORTGAGE, LLC 10 6.74% $9,359
HOMEBRIDGE FINANCIAL SERVICES, INC. 10 6.65% $6,499
Cornerstone First Mortgage, Inc 9 6.68% $7,028
CIBC Bank USA 9 6.11% $8,438
CHURCHILL MORTGAGE CORPORATION 9 6.78% $8,947
Bell Bank 9 6.49% $9,213
TruHome Solutions, LLC 9 6.39% $7,920
FIRST HERITAGE FINANCIAL, LLC 9 5.96% $8,526
United Community Bank 9 6.32% $6,637
TOP FLITE FINANCIAL, INC. 8 6.76% $10,940
JPMorgan Chase Bank 7 6.09% $8,821
PHH Mortgage Corporation 7 6.67% $10,421
CITY FIRST MORTGAGE SERVICES, L.L.C. 7 6.55% $12,144
HOMESIDE FINANCIAL, LLC 7 6.07% $15,542
Simmons Bank 6 6.33% $8,103
Bank of Springfield 6 6.17% $6,684
GMFS LLC 6 6.69% $4,538
MID AMERICA MORTGAGE, INC. 5 7.30% $7,492
RUOFF MORTGAGE COMPANY, INC. 5 6.18% $5,835
Barrington Bank & Trust Company, N.A. 5 6.80% $8,397
ENVOY MORTGAGE, LTD 5 6.45% $7,681
BETTER MORTGAGE CORPORATION 5 6.40% $10,138
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 6.72% $7,028
MORTGAGE SOLUTIONS OF COLORADO, LLC 5 6.45% $16,446
THOMPSON KANE & COMPANY, LLC 5 6.28% $8,649
PNC Bank 5 6.73% $7,320
The Union Bank Company 5 5.80% $8,816
AMERICAN PORTFOLIO MORTGAGE CORPORATION 5 6.83% $7,374
NBKC BANK 5 5.95% $8,039
Wells Fargo Bank 5 6.65% $7,661
PREMIA MORTGAGE, LLC 5 6.28% $5,284
Plains Commerce Bank 4 6.41% $10,946
First Horizon Bank 4 6.84% $8,148
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.00% $14,475
Home Mortgage Alliance Corp 4 7.50% $9,427
UMB Bank 4 6.25% $7,507
FIRST MORTGAGE COMPANY, INC. 4 6.41% $8,219
Lakeview Community Capital, LLC 3 6.25% $6,933
American Mortgage & Equity Consultants, Inc. 3 6.75% $12,824
First Mid Bank & Trust 3 6.71% $6,213
Golden Empire Mortgage, Inc. 3 6.71% $11,453
Great Southern Bank 3 6.25% $10,151
Midwest Mortgage Associates Corporation 3 6.17% $10,166
NFM, INC. 3 6.71% $12,823
OCMBC, INC. 3 6.79% $6,484
UNION HOME MORTGAGE CORP. 3 6.33% $9,922
MICHIGAN MUTUAL, INC. 2 6.75% $10,512
The Loan Store, Inc. 2 5.94% $9,779
M&T Bank 2 6.69% $6,670
COMMUNITYAMERICA 2 6.25% $9,997
Servion, Inc. 2 6.44% $9,768
Sierra Pacific Mortgage Company, Inc. 2 6.44% $7,175
NEW DAY FINANCIAL, LLC 2 7.56% $13,536
Century Mortgage Company DBA Century Lending Company 2 6.81% $7,419
PREMIER MORTGAGE RESOURCES, L.L.C. 2 7.19% $9,457
Gateway First Bank 2 6.50% $8,891
BMO Harris Bank 2 6.81% $5,888
NATIONWIDE MORTGAGE BANKERS, INC. 2 7.56% $15,575
BAY EQUITY LLC 2 6.44% $8,476
AXIA FINANCIAL, LLC 2 7.37% $9,928
First Option Mortgage, LLC 2 7.50% $7,256
SUCCESS MORTGAGE PARTNERS, INC. 2 6.38% $13,476
Sullivan Bank 2 6.44% $7,610
Sunflower Bank 2 6.87% $7,817
FIRST COMMUNITY MORTGAGE, INC. 2 6.81% $7,503
Waterstone Mortgage Corporation 2 5.94% $13,433
Ixonia Bank 2 7.06% $8,120
Texana Bank 2 5.69% $17,256
Heartland Bank and Trust Company 2 6.88% $8,504
Citibank 1 6.88% $7,446
CANOPY MORTGAGE, LLC 1 6.63% $10,787
Truist 1 6.25% $11,379
AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.75% $5,251
Arvest Bank 1 6.00% $7,271
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.49% $5,687
VERITAS FUNDING, LLC 1 6.25% $12,977
Armed Forces Bank 1 6.25% $5,654
AmRes Corporation 1 7.25% $23,732
AMERICAN FINANCIAL RESOURCES, INC. 1 7.75% $5,999
WEST COMMUNITY 1 6.63% $2,200
OPEN MORTGAGE, LLC 1 6.63% $18,870
Pacific Lending LLC 1 6.13% $10,900
ON Q FINANCIAL, INC. 1 6.63% $8,020
NORWICH COMMERCIAL GROUP, INC. 1 6.75% $10,756
Peoples National Bank , N.A. 1 6.75% $4,452
North American Savings Bank, F.S.B. 1 6.13% $4,596
NETWORK CAPITAL FUNDING CORPORATION 1 6.13% $13,857
MORTGAGEONE, INC. 1 6.25% $9,683
MJW Financial LLC 1 6.75% $8,863
LIBERTY HOME MORTGAGE CORPORATION 1 5.88% $13,541
Academy Bank 1 7.00% $6,414
LADERA LENDING, INC. 1 6.63% $9,334
RESIDENTIAL BANCORP 1 5.88% $9,862
GREENSTATE CREDIT UNION 1 6.38% $8,061
SECURITYNATIONAL MORTGAGE COMPANY 1 6.75% $10,604
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 8.25% $5,575
SIRVA MORTGAGE, INC. 1 6.50% $5,873
Springfield First Community Bank 1 6.63% $8,601
First Bank 1 6.63% $8,729
Financial Funding Solutions, Inc. 1 6.63% $8,095
EMM LOANS LLC 1 5.38% $12,442
DATA MORTGAGE, INC. 1 6.25% $7,980
TJC Mortgage, Inc. 1 5.75% $10,037
TOGETHER CREDIT UNION 1 6.63% $2,250

The top St. Louis FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 651 FHA loans originated. Their average total fees are $8,579, which is $1,144 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee St. Louis FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($4,679), SCOTT CREDIT UNION ($5,418), Associated Bank ($5,578), BancorpSouth ($5,715) and FCB Banks ($5,892).

The lowest rate St. Louis FHA lenders (with over 10 loans originated) are LOANPAL, LLC (5.70%), SCOTT CREDIT UNION (5.87%), AMERICAN FINANCING CORPORATION (5.97%), VICTORY MORTGAGE, L.L.C. (6.01%) and Bank of America (6.07%).

St. Louis FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
ST. LOUIS, MO-IL BOND 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL CALHOUN 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL CLINTON 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL JERSEY 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL MACOUPIN 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL MADISON 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL MONROE 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL ST. CLAIR 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL JEFFERSON 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL ST. CHARLES 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL ST. LOUIS 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL WARREN 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL ST. LOUIS CITY 2022 $420,680 $538,650 $651,050 $809,150
ST. LOUIS, MO-IL BOND 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL CALHOUN 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL CLINTON 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL JERSEY 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL MACOUPIN 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL MADISON 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL MONROE 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL ST. CLAIR 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL JEFFERSON 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL ST. CHARLES 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL ST. LOUIS 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL WARREN 2023 $472,030 $604,400 $730,525 $907,900
ST. LOUIS, MO-IL ST. LOUIS CITY 2023 $472,030 $604,400 $730,525 $907,900

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - St. Louis (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $189,400 (11.9%) $269,594 (6.0%) 0.70 8,422
2018-02-01 $193,450 (12.2%) $277,213 (5.7%) 0.70 8,301
2018-03-01 $205,000 (11.0%) $291,265 (6.0%) 0.72 8,652
2018-04-01 $214,875 (11.8%) $300,549 (6.1%) 0.73 8,742
2018-05-01 $219,900 (9.3%) $306,148 (4.6%) 0.73 9,152
2018-06-01 $219,900 (8.1%) $308,574 (5.3%) 0.73 9,728
2018-07-01 $216,750 (8.4%) $303,344 (5.3%) 0.72 10,254
2018-08-01 $216,000 (9.8%) $299,330 (6.6%) 0.72 10,480
2018-09-01 $215,000 (9.8%) $297,128 (5.4%) 0.72 10,485
2018-10-01 $212,725 (6.7%) $294,146 (3.5%) 0.72 10,575
2018-11-01 $209,900 (8.1%) $289,261 (3.7%) 0.71 10,105
2018-12-01 $200,000 (5.4%) $280,394 (3.3%) 0.69 9,044
2019-01-01 $199,550 (5.4%) $275,229 (2.1%) 0.69 7,920
2019-02-01 $210,000 (8.6%) $291,481 (5.2%) 0.71 7,560
2019-03-01 $219,229 (6.9%) $298,617 (2.5%) 0.72 7,742
2019-04-01 $225,000 (4.7%) $305,034 (1.5%) 0.71 7,961
2019-05-01 $231,450 (5.3%) $313,283 (2.3%) 0.72 8,255
2019-06-01 $234,900 (6.8%) $316,920 (2.7%) 0.73 8,575
2019-07-01 $229,450 (5.9%) $313,295 (3.3%) 0.72 8,894
2019-08-01 $226,545 (4.9%) $309,085 (3.3%) 0.72 9,030
2019-09-01 $222,864 (3.7%) $305,475 (2.8%) 0.71 9,136
2019-10-01 $220,000 (3.4%) $302,319 (2.8%) 0.71 9,191
2019-11-01 $215,000 (2.4%) $299,898 (3.7%) 0.70 8,764
2019-12-01 $210,225 (5.1%) $289,975 (3.4%) 0.70 7,795
2020-01-01 $209,900 (5.2%) $287,609 (4.5%) 0.70 6,910
2020-02-01 $218,900 (4.2%) $297,961 (2.2%) 0.72 6,368
2020-03-01 $229,450 (4.7%) $305,632 (2.4%) 0.72 6,433
2020-04-01 $231,375 (2.8%) $305,728 (0.2%) 0.72 6,464
2020-05-01 $247,900 (7.1%) $320,812 (2.4%) 0.75 6,320
2020-06-01 $249,900 (6.4%) $333,864 (5.4%) 0.74 6,016
2020-07-01 $249,950 (8.9%) $336,752 (7.5%) 0.72 5,764
2020-08-01 $249,900 (10.3%) $338,128 (9.4%) 0.72 5,623
2020-09-01 $249,900 (12.1%) $339,301 (11.1%) 0.72 5,559
2020-10-01 $243,000 (10.5%) $334,258 (10.6%) 0.70 5,659
2020-11-01 $235,700 (9.6%) $328,409 (9.5%) 0.69 5,297
2020-12-01 $230,150 (9.5%) $323,425 (11.5%) 0.68 4,753
2021-01-01 $239,950 (14.3%) $337,006 (17.2%) 0.72 4,016
2021-02-01 $249,900 (14.2%) $342,968 (15.1%) 0.73 3,541
2021-03-01 $252,450 (10.0%) $345,449 (13.0%) 0.72 3,573
2021-04-01 $258,600 (11.8%) $355,697 (16.3%) 0.70 3,564
2021-05-01 $254,900 (2.8%) $357,526 (11.4%) 0.68 3,474
2021-06-01 $255,800 (2.4%) $352,428 (5.6%) 0.67 3,848
2021-07-01 $250,000 (0.0%) $346,893 (3.0%) 0.66 4,596
2021-08-01 $249,900 (0.0%) $341,848 (1.1%) 0.67 4,766
2021-09-01 $249,900 (0.0%) $338,695 (-0.2%) 0.67 4,700
2021-10-01 $240,000 (-1.2%) $337,379 (0.9%) 0.64 4,538
2021-11-01 $236,975 (0.5%) $336,788 (2.6%) 0.63 4,144
2021-12-01 $239,950 (4.3%) $335,714 (3.8%) 0.65 3,462
2022-01-01 $243,900 (1.7%) $336,432 (-0.2%) 0.66 3,009
2022-02-01 $262,450 (5.0%) $344,035 (0.3%) 0.68 2,831
2022-03-01 $270,100 (7.0%) $347,027 (0.5%) 0.68 2,914
2022-04-01 $269,900 (4.4%) $337,183 (-5.2%) 0.64 3,112
2022-05-01 $275,400 (8.0%) $347,301 (-2.9%) 0.63 3,651
2022-06-01 $279,700 (9.3%) $352,837 (0.1%) 0.62 4,101
2022-07-01 $275,000 (10.0%) $347,832 (0.3%) 0.62 4,648
2022-08-01 $276,293 (10.6%) $345,977 (1.2%) 0.64 4,692
2022-09-01 $274,950 (10.0%) $345,788 (2.1%) 0.64 4,695
2022-10-01 $275,900 (15.0%) $340,485 (0.9%) 0.65 4,809
2022-11-01 $274,000 (15.6%) $337,939 (0.3%) 0.66 4,783
2022-12-01 $269,000 (12.1%) $329,391 (-1.9%) 0.66 4,223
2023-01-01 $269,900 (10.7%) $333,777 (-0.8%) 0.67 3,782
2023-02-01 $271,750 (3.5%) $336,969 (-2.1%) 0.66 3,499
2023-03-01 $278,950 (3.3%) $343,433 (-1.0%) 0.66 3,477
2023-04-01 $284,900 (5.6%) $355,059 (5.3%) 0.66 3,580
2023-05-01 $281,650 (2.3%) $357,964 (3.1%) 0.64 3,755
2023-06-01 $289,423 (3.5%) $362,670 (2.8%) 0.65 3,975
2023-07-01 $288,900 (5.1%) $359,779 (3.4%) 0.66 4,296
2023-08-01 $284,325 (2.9%) $352,578 (1.9%) 0.65 4,392
2023-09-01 $279,900 (1.8%) $348,375 (0.8%) 0.65 4,870
2023-10-01 $277,000 (0.4%) $346,807 (1.9%) 0.65 5,124
2023-11-01 $275,000 (0.4%) $343,502 (1.7%) 0.65 5,160
2023-12-01 $274,900 (2.2%) $335,628 (1.9%) 0.67 4,650
2024-01-01 $277,450 (2.8%) $339,364 (1.7%) 0.68 4,136
2024-02-01 $287,450 (5.8%) $352,864 (4.7%) 0.69 3,927
2024-03-01 $292,000 (4.7%) $362,286 (5.5%) 0.69 3,970
2024-04-01 $294,400 (3.3%) $376,256 (6.0%) 0.68 4,175
2024-05-01 $307,698 (9.3%) $392,591 (9.7%) 0.70 4,405
2024-06-01 $309,771 (7.0%) $390,965 (7.8%) 0.70 4,790
2024-07-01 $307,450 (6.4%) $398,529 (10.8%) 0.70 4,935
2024-08-01 $301,900 (6.2%) $393,108 (11.5%) 0.70 5,166
2024-09-01 $299,900 (7.2%) $386,448 (10.9%) 0.71 5,473
2024-10-01 $299,450 (8.1%) $383,367 (10.5%) 0.70 5,614
2024-11-01 $289,900 (5.4%) $370,343 (7.8%) 0.70 5,728
2024-12-01 $277,450 (0.9%) $357,455 (6.5%) 0.69 5,098
2025-01-01 $274,950 (-0.9%) $351,183 (3.5%) 0.69 4,551
2025-02-01 $276,799 (-3.7%) $365,337 (3.5%) 0.67 4,469
2025-03-01 $289,900 (-0.7%) $374,302 (3.3%) 0.00 4,701
St. Louis's median listing price for 2025-03-01 was $289,900, a difference of $-2,100 (-0.7%) versus the prior year and $13,101 versus the prior month.

St. Louis's median listing price comes in at 0% of the national average.

St. Louis's average listing price for 2025-03-01 was $374,302, a difference of $12,016 (3.3%) versus the prior year and $8,965 versus the prior month.

For the 2025-03-01 period, St. Louis had 4,701 MLS listings, a difference of 232 listings (5%) versus the prior month and 731 listings (18%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - St. Louis (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 79 days 1,651 sqft
2018-02-01 72 days 1,669 sqft
2018-03-01 51 days 1,724 sqft
2018-04-01 51 days 1,754 sqft
2018-05-01 50 days 1,764 sqft
2018-06-01 48 days 1,758 sqft
2018-07-01 50 days 1,746 sqft
2018-08-01 53 days 1,733 sqft
2018-09-01 57 days 1,724 sqft
2018-10-01 59 days 1,710 sqft
2018-11-01 62 days 1,690 sqft
2018-12-01 72 days 1,673 sqft
2019-01-01 82 days 1,651 sqft
2019-02-01 75 days 1,705 sqft
2019-03-01 60 days 1,734 sqft
2019-04-01 47 days 1,745 sqft
2019-05-01 49 days 1,756 sqft
2019-06-01 51 days 1,764 sqft
2019-07-01 53 days 1,753 sqft
2019-08-01 53 days 1,744 sqft
2019-09-01 56 days 1,735 sqft
2019-10-01 57 days 1,728 sqft
2019-11-01 68 days 1,700 sqft
2019-12-01 83 days 1,678 sqft
2020-01-01 85 days 1,653 sqft
2020-02-01 83 days 1,680 sqft
2020-03-01 51 days 1,738 sqft
2020-04-01 56 days 1,761 sqft
2020-05-01 60 days 1,805 sqft
2020-06-01 59 days 1,842 sqft
2020-07-01 53 days 1,845 sqft
2020-08-01 52 days 1,811 sqft
2020-09-01 60 days 1,810 sqft
2020-10-01 60 days 1,776 sqft
2020-11-01 65 days 1,747 sqft
2020-12-01 69 days 1,713 sqft
2021-01-01 64 days 1,728 sqft
2021-02-01 57 days 1,715 sqft
2021-03-01 47 days 1,728 sqft
2021-04-01 41 days 1,731 sqft
2021-05-01 39 days 1,700 sqft
2021-06-01 37 days 1,705 sqft
2021-07-01 35 days 1,708 sqft
2021-08-01 37 days 1,688 sqft
2021-09-01 40 days 1,671 sqft
2021-10-01 42 days 1,638 sqft
2021-11-01 43 days 1,609 sqft
2021-12-01 50 days 1,604 sqft
2022-01-01 53 days 1,600 sqft
2022-02-01 42 days 1,619 sqft
2022-03-01 34 days 1,655 sqft
2022-04-01 32 days 1,651 sqft
2022-05-01 30 days 1,666 sqft
2022-06-01 32 days 1,694 sqft
2022-07-01 35 days 1,680 sqft
2022-08-01 37 days 1,678 sqft
2022-09-01 42 days 1,680 sqft
2022-10-01 41 days 1,680 sqft
2022-11-01 43 days 1,677 sqft
2022-12-01 53 days 1,659 sqft
2023-01-01 64 days 1,652 sqft
2023-02-01 64 days 1,652 sqft
2023-03-01 47 days 1,659 sqft
2023-04-01 39 days 1,698 sqft
2023-05-01 37 days 1,687 sqft
2023-06-01 39 days 1,700 sqft
2023-07-01 38 days 1,680 sqft
2023-08-01 37 days 1,667 sqft
2023-09-01 38 days 1,639 sqft
2023-10-01 42 days 1,644 sqft
2023-11-01 44 days 1,635 sqft
2023-12-01 53 days 1,612 sqft
2024-01-01 59 days 1,612 sqft
2024-02-01 48 days 1,628 sqft
2024-03-01 39 days 1,630 sqft
2024-04-01 35 days 1,663 sqft
2024-05-01 33 days 1,709 sqft
2024-06-01 40 days 1,720 sqft
2024-07-01 39 days 1,720 sqft
2024-08-01 41 days 1,695 sqft
2024-09-01 45 days 1,731 sqft
2024-10-01 46 days 1,828 sqft
2024-11-01 51 days 1,800 sqft
2024-12-01 58 days 1,770 sqft
2025-01-01 62 days 1,779 sqft
2025-02-01 53 days 1,764 sqft
2025-03-01 0 days 1,775 sqft
St. Louis's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

St. Louis's median square footage for active listings during the 2025-03-01 period was 1,775 sqft. One year prior, the average listing was 1,630 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).