St. Louis VA Loan Rates, Closing Costs & Stats

ST. LOUIS, MO-IL

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    St. Louis's 152 lenders originated 3,343 VA loans during 2023. The total origination value was $965,665,000, with an average VA loan value of $288,862.

    St. Louis VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in St. Louis averaged 6.49% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    St. Louis's average VA mortgage closing costs are $5,102.

    The average rate for the prior week (2024-12-06) was 6.32% and one month ago for the week of 2024-11-08, the average rate was 6.82%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.45%.

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

    St. Louis VA Loan Lenders by Rates & Fees

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

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 766 6.74% $6,342
    UNITED WHOLESALE MORTGAGE, LLC 194 6.51% $7,051
    QUICKEN LOANS, LLC 151 6.37% $9,902
    GUILD MORTGAGE COMPANY 142 6.60% $8,153
    NAVY FEDERAL CREDIT UNION 131 5.91% $5,114
    DAS Acquisition Company, LLC 105 7.04% $7,332
    USAA Federal Savings Bank 101 6.45% $7,620
    Carrollton Bank 96 5.90% $6,399
    DELMAR FINANCIAL COMPANY 91 6.80% $7,116
    GUARANTEED RATE, INC. 91 6.53% $5,538
    BROKER SOLUTIONS, INC. 90 6.68% $7,986
    FLAT BRANCH MORTGAGE, INC. 60 6.70% $6,432
    FREEDOM MORTGAGE CORPORATION 59 6.61% $13,920
    GERSHMAN INVESTMENT CORP. 57 6.99% $7,429
    NEW DAY FINANCIAL, LLC 56 7.46% $11,046
    PENNYMAC LOAN SERVICES, LLC 54 5.61% $8,547
    ENDEAVOR CAPITAL, LLC. 52 6.66% $6,452
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 46 6.63% $6,564
    LOANDEPOT.COM, LLC 35 6.26% $12,732
    The Federal Savings Bank 34 6.44% $14,287
    NEWREZ LLC 34 6.74% $8,139
    GUARANTEED RATE AFFINITY, LLC 32 6.51% $6,036
    Stifel Bank and Trust 30 6.27% $5,371
    CROSSCOUNTRY MORTGAGE, LLC 28 6.68% $10,584
    FAMILY FINANCE MORTGAGE, LLC 26 6.59% $7,325
    Mr. Cooper ( Nationstar Mortgage ) 25 6.18% $10,780
    LEADERONE FINANCIAL CORPORATION 23 6.99% $7,444
    VILLAGE CAPITAL MORTGAGE 22 6.11% $11,961
    Flagstar Bank, FSB 20 6.46% $7,507
    FCB Banks 20 6.41% $5,632
    CMG MORTGAGE, INC. 20 6.44% $7,661
    PENTAGON FEDERAL CREDIT UNION 18 5.60% $7,000
    Barrington Bank & Trust Company, N.A. 17 6.25% $6,305
    MORTGAGE SOLUTIONS OF COLORADO, LLC 17 7.82% $4,094
    U.S. Bank 17 6.56% $5,395
    Regions Bank 16 6.23% $7,222
    The Central Trust Bank 16 6.66% $6,852
    Midwest BankCentre 15 6.53% $5,565
    CARDINAL FINANCIAL 15 6.63% $11,706
    AMERISAVE MORTGAGE CORPORATION 15 5.61% $16,599
    Mid-Continent Funding, Inc. 15 6.71% $7,834
    First State Bank of St. Charles, Missouri 13 6.37% $6,025
    First Bank 13 6.15% $3,270
    Plains Commerce Bank 12 6.41% $8,390
    Paramount Residential Mortgage Group, Inc. 11 6.58% $10,520
    SCOTT CREDIT UNION 10 5.91% $5,488
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.59% $6,721
    PLANET HOME LENDING, LLC 9 6.33% $7,822
    NP, Inc. 9 6.43% $7,341
    NBKC BANK 9 5.71% $7,642
    Nations Lending Corporation 9 6.69% $5,635
    PREMIA MORTGAGE, LLC 9 5.89% $8,262
    AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.99% $8,351
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 6.31% $11,055
    Wells Fargo Bank 8 5.70% $7,399
    FRONTIER FINANCIAL, INC. 7 7.11% $8,215
    Bell Bank 7 6.80% $3,738
    JPMorgan Chase Bank 7 6.71% $5,328
    Armed Forces Bank 7 6.14% $9,526
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 6 6.38% $6,053
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 6 7.00% $5,009
    COMMUNITY MORTGAGE, LLC 6 6.96% $9,210
    MOVEMENT MORTGAGE, LLC 6 7.08% $5,886
    PNC Bank 5 6.28% $6,561
    Magnolia Bank 5 6.05% $15,863
    Paramount Bank 5 6.75% $7,897
    Bank of Springfield 5 6.35% $10,237
    MUTUAL OF OMAHA MORTGAGE, INC. 5 6.18% $16,272
    Servion, Inc. 5 6.33% $8,639
    Cornerstone First Mortgage, Inc 5 7.28% $6,755
    GENEVA FINANCIAL, LLC 4 6.84% $8,480
    SUN WEST MORTGAGE COMPANY, INC. 4 6.36% $9,448
    First Horizon Bank 4 7.06% $7,604
    FIRST MORTGAGE COMPANY, INC. 4 7.00% $5,030
    VICTORY MORTGAGE, L.L.C. 4 6.06% $9,287
    Busey Bank 4 6.50% $3,879
    BNC National Bank 4 5.53% $9,354
    BAY EQUITY LLC 4 6.28% $12,279
    BancorpSouth 4 6.56% $4,992
    Neighborhood Loans, Inc. 4 6.47% $14,004
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.19% $9,259
    HOMESITE MORTGAGE, LLC 4 5.81% $6,447
    LAKEVIEW LOAN SERVICING, LLC 4 6.34% $13,909
    LOANPAL, LLC 3 6.21% $18,672
    Heartland Bank and Trust Company 3 6.17% $6,352
    ROYAL UNITED MORTGAGE LLC 3 7.08% $9,070
    Prosperity Home Mortgage, LLC 3 6.92% $10,244
    Citizens Bank 3 6.17% $5,003
    ZILLOW HOME LOANS, LLC 2 7.00% $5,763
    AMERICAN FINANCIAL NETWORK, INC. 2 6.56% $9,905
    AMERICAN FINANCING CORPORATION 2 6.06% $9,388
    American Mortgage & Equity Consultants, Inc. 2 5.75% $8,789
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 7.06% $5,233
    Commerce Bank 2 6.50% $10,345
    CONTOUR MORTGAGE CORPORATION 2 7.63% $14,050
    Equity Prime Mortgage LLC 2 7.25% $7,453
    FIRST CENTENNIAL MORTGAGE CORPORATION 2 6.38% $2,970
    First Western Trust Bank 2 6.31% $6,145
    Hawthorn Bank 2 5.81% $5,350
    HOMESIDE FINANCIAL, LLC 2 7.00% $12,035
    HOMESTAR FINANCIAL CORPORATION 2 7.00% $3,652
    ON Q FINANCIAL, INC. 2 6.94% $5,240
    PHH Mortgage Corporation 2 6.81% $13,133
    PLAZA HOME MORTGAGE, INC. 2 7.00% $8,398
    T2 FINANCIAL LLC 2 6.88% $9,812
    TOWNE MORTGAGE COMPANY 2 5.75% $7,731
    Truist 2 6.38% $11,013
    UMB Bank 2 6.00% $16,938
    Merchants Bank of Indiana 1 6.75% $8,663
    MEGASTAR FINANCIAL CORP. 1 6.75% $4,141
    INB 1 7.13% $1,597
    VERITAS FUNDING, LLC 1 7.25% $23,400
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.50% $2,573
    HALLMARK HOME MORTGAGE, LLC 1 6.75% $5,913
    Ameris Bank 1 6.25% $10,219
    Gateway First Bank 1 5.75% $27,574
    First United Bank and Trust Company 1 5.88% $15,932
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $22,461
    First Savings Bank 1 6.25% $7,952
    PROPER RATE, LLC 1 6.25% $7,368
    First Federal Bank 1 5.63% $6,284
    EVERETT FINANCIAL, INC. 1 7.13% $3,673
    ENVOY MORTGAGE, LTD 1 6.50% $438
    RELIANCE FIRST CAPITAL, LLC 1 5.88% $29,059
    DRAPER AND KRAMER MORTGAGE CORP. 1 6.13% $8,726
    Credence Funding Corporation 1 5.50% $1,866
    Service Federal Credit Union 1 6.25% $8,672
    Citibank 1 5.75% $3,883
    Sierra Pacific Mortgage Company, Inc. 1 6.63% $11,121
    SIRVA MORTGAGE, INC. 1 6.63% $8,933
    CIBC Bank USA 1 6.00% $4,799
    STOCKTON MORTGAGE CORPORATION 1 7.25% $8,713
    Strong Home Mortgage, LLC 1 5.13% $14,544
    SUMMIT FUNDING, INC. 1 6.75% $3,980
    Sunflower Bank 1 5.63% $12,280
    CHURCHILL MORTGAGE CORPORATION 1 7.25% $9,568
    AMCAP MORTGAGE, LTD. 1 7.25% $6,020
    Carrington Mortgage Services, LLC 1 7.13% $590
    CANOPY MORTGAGE, LLC 1 6.25% $3,782
    ALLTRU Federal Credit Union 1 6.13% $8,101
    WRIGHT-PATT CREDIT UNION, INC. 1 6.63% $2,952
    Access Bank 1 7.50% $13,517
    UNION HOME MORTGAGE CORP. 1 7.50% $4,182
    CALCON MUTUAL MORTGAGE LLC 1 6.75% $11,688
    Bank of America 1 8.00% $8,176
    NBH Bank 1 7.25% $16,527
    M&T Bank 1 7.25% $12,232
    North American Savings Bank, F.S.B. 1 6.13% $5,374
    Northpointe Bank 1 6.75% $14,986
    MLB RESIDENTIAL LENDING, LLC 1 7.25% $6,229
    Arvest Bank 1 7.00% $8,689
    MID AMERICA MORTGAGE, INC. 1 6.13% $8,351

    The top St. Louis VA lender as defined by loan originations is Mortgage Research Center, LLC, with 766 VA loans originated. Their average total fees are $6,342, which is $710 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee St. Louis VA lenders (with over 10 loans originated) are First Bank ($3,270), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,094), NAVY FEDERAL CREDIT UNION ($5,114), Stifel Bank and Trust ($5,371) and U.S. Bank ($5,395).

    The lowest rate St. Louis VA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION (5.60%), AMERISAVE MORTGAGE CORPORATION (5.61%), PENNYMAC LOAN SERVICES, LLC (5.61%), Carrollton Bank (5.90%) and NAVY FEDERAL CREDIT UNION (5.91%).

    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%) $269,607 (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 (9.7%) $297,128 (5.3%) 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 (3.6%) 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%) $313,299 (2.3%) 0.72 8,254
    2019-06-01 $234,900 (6.8%) $316,951 (2.7%) 0.73 8,574
    2019-07-01 $229,450 (5.9%) $313,345 (3.3%) 0.72 8,892
    2019-08-01 $226,545 (4.9%) $309,115 (3.3%) 0.72 9,029
    2019-09-01 $222,864 (3.7%) $305,504 (2.8%) 0.71 9,135
    2019-10-01 $220,000 (3.4%) $302,348 (2.8%) 0.71 9,189
    2019-11-01 $215,000 (2.4%) $299,928 (3.7%) 0.70 8,762
    2019-12-01 $210,225 (5.1%) $290,006 (3.4%) 0.70 7,793
    2020-01-01 $209,900 (5.2%) $287,643 (4.5%) 0.70 6,908
    2020-02-01 $218,950 (4.3%) $298,000 (2.2%) 0.72 6,367
    2020-03-01 $229,575 (4.7%) $305,672 (2.4%) 0.72 6,432
    2020-04-01 $231,500 (2.9%) $305,767 (0.2%) 0.73 6,463
    2020-05-01 $247,900 (7.1%) $320,854 (2.4%) 0.75 6,320
    2020-06-01 $249,900 (6.4%) $333,864 (5.3%) 0.74 6,016
    2020-07-01 $249,950 (8.9%) $336,803 (7.5%) 0.72 5,763
    2020-08-01 $249,900 (10.3%) $338,174 (9.4%) 0.72 5,622
    2020-09-01 $249,900 (12.1%) $339,389 (11.1%) 0.72 5,558
    2020-10-01 $243,800 (10.8%) $334,342 (10.6%) 0.70 5,660
    2020-11-01 $235,900 (9.7%) $328,471 (9.5%) 0.69 5,297
    2020-12-01 $230,238 (9.5%) $323,488 (11.6%) 0.68 4,754
    2021-01-01 $239,950 (14.3%) $337,049 (17.2%) 0.72 4,017
    2021-02-01 $249,900 (14.1%) $342,968 (15.1%) 0.73 3,541
    2021-03-01 $252,450 (10.0%) $345,467 (13.0%) 0.72 3,573
    2021-04-01 $258,600 (11.7%) $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 (-1.6%) $337,379 (0.9%) 0.64 4,538
    2021-11-01 $236,950 (0.5%) $336,788 (2.5%) 0.63 4,143
    2021-12-01 $239,950 (4.2%) $335,658 (3.8%) 0.65 3,461
    2022-01-01 $243,300 (1.4%) $336,432 (-0.2%) 0.66 3,008
    2022-02-01 $262,450 (5.0%) $343,962 (0.3%) 0.68 2,830
    2022-03-01 $270,100 (7.0%) $347,063 (0.5%) 0.68 2,915
    2022-04-01 $269,900 (4.4%) $337,220 (-5.2%) 0.64 3,113
    2022-05-01 $275,400 (8.0%) $347,309 (-2.9%) 0.63 3,651
    2022-06-01 $279,700 (9.3%) $352,861 (0.1%) 0.62 4,102
    2022-07-01 $275,000 (10.0%) $347,854 (0.3%) 0.62 4,650
    2022-08-01 $276,339 (10.6%) $345,989 (1.2%) 0.64 4,694
    2022-09-01 $274,950 (10.0%) $345,774 (2.1%) 0.64 4,697
    2022-10-01 $275,900 (15.0%) $340,533 (0.9%) 0.65 4,810
    2022-11-01 $274,200 (15.7%) $337,965 (0.4%) 0.66 4,784
    2022-12-01 $269,000 (12.1%) $329,391 (-1.9%) 0.66 4,223
    2023-01-01 $269,900 (10.9%) $333,777 (-0.8%) 0.67 3,782
    2023-02-01 $271,750 (3.5%) $336,969 (-2.0%) 0.66 3,499
    2023-03-01 $278,950 (3.3%) $343,433 (-1.1%) 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 $283,763 (2.7%) $352,539 (1.9%) 0.65 4,393
    2023-09-01 $279,900 (1.8%) $348,374 (0.8%) 0.65 4,869
    2023-10-01 $277,000 (0.4%) $346,814 (1.8%) 0.65 5,123
    2023-11-01 $275,000 (0.3%) $343,496 (1.6%) 0.65 5,159
    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 $312,400 (10.9%) $397,865 (11.2%) 0.71 4,407
    2024-06-01 $312,900 (8.1%) $400,269 (10.4%) 0.70 4,792
    2024-07-01 $307,450 (6.4%) $398,529 (10.8%) 0.70 4,935
    2024-08-01 $301,900 (6.4%) $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%) $383,354 (10.5%) 0.70 5,614
    2024-11-01 $289,900 (5.4%) $370,318 (7.8%) 0.70 5,727
    St. Louis's median listing price for 2024-11-01 was $289,900, a difference of $14,900 (5.4%) versus the prior year and $-9,550 versus the prior month.

    St. Louis's median listing price comes in at 70% of the national average.

    St. Louis's average listing price for 2024-11-01 was $370,318, a difference of $26,822 (7.8%) versus the prior year and $-13,036 versus the prior month.

    For the 2024-11-01 period, St. Louis had 5,727 MLS listings, a difference of 113 listings (2%) versus the prior month and 568 listings (11%) 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 1,653 sqft
    2018-02-01 72 days 1,670 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 1,723 sqft
    2018-10-01 59 days 1,710 sqft
    2018-11-01 62 days 1,689 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 1,682 sqft
    2020-03-01 51 days 1,738 sqft
    2020-04-01 56 days 1,761 sqft
    2020-05-01 60 days 1,808 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 1,603 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 1,667 sqft
    2022-06-01 32 days 1,695 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 1,678 sqft
    2022-12-01 53 days 1,659 sqft
    2023-01-01 64 days 1,653 sqft
    2023-02-01 64 days 1,652 sqft
    2023-03-01 47 days 1,659 sqft
    2023-04-01 39 days 1,699 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 1,640 sqft
    2023-10-01 42 days 1,644 sqft
    2023-11-01 44 days 1,636 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 1,664 sqft
    2024-05-01 32 days 1,718 sqft
    2024-06-01 37 days 1,728 sqft
    2024-07-01 39 days 1,720 sqft
    2024-08-01 41 days 1,695 sqft
    2024-09-01 45 days 1,749 sqft
    2024-10-01 46 days 1,861 sqft
    2024-11-01 51 days 1,826 sqft
    St. Louis's median listing age (time on market) for 2024-11-01 was 51 days. This is 16% longer than the same period one year ago.

    St. Louis's median square footage for active listings during the 2024-11-01 period was 1,826 sqft. One year prior, the average listing was 1,636 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.