As of September 25, 2025, the St. Louis real estate market is experiencing a mixed trend in mortgage rates. The 30-year fixed mortgage rate remains unchanged at 6.37%, maintaining its position above 6% and indicating ongoing stability despite the overall rising trend in the market. Meanwhile, the 15-year fixed mortgage rate saw a slight decrease, dropping by 0.01% to 5.89%. This minor reduction in the 15-year rate could offer some relief to potential homebuyers looking for shorter-term financing options.
For St. Louis homebuyers and sellers, these rate movements bring both challenges and opportunities. The unchanged 30-year fixed rate suggests a stable long-term borrowing cost, which could help maintain a predictable budget for homeowners. However, the slight decrease in the 15-year rate may prompt some buyers to consider shorter loan terms, potentially leading to faster equity accumulation and interest savings. The mixed changes in other rates, such as the 30-year Jumbo and 7/6 SOFR ARM, highlight the need for borrowers to carefully evaluate their options based on their unique financial situations.
For a deeper understanding of how these rates compare to historical trends, you can refer to the chart button below. This analysis is provided by MORE, REALTORS®, ensuring that potential buyers and sellers have access to the latest and most accurate information on current mortgage rates in the St. Louis area.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.37%
+0.00%
15 Yr. Fixed
5.89%
-0.01%
30 Yr. FHA
6.05%
-0.01%
30 Yr. Jumbo
6.27%
+0.01%
7/6 SOFR ARM
5.82%
+0.02%
30 Yr. VA
6.08%
+0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of September 25, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
The St. Louis City real estate market in August 2025 saw notable changes compared to the previous year. Homes sold for a median price of $235,000, marking a 7.55% increase from August 2024’s median of $218,500. However, this figure reflects a 5.05% decrease from July 2025, when the median sold price was $247,500. The median list price in August 2025 also rose to $235,000, up 6.82% from $220,000 in August 2024.
Despite these price increases, the number of home sales in St. Louis City decreased. In August 2025, there were 285 sales, a 6.25% drop from the 304 sales recorded in August 2024. The chart below, available exclusively from MORE, REALTORS®, illustrates these trends, providing a comprehensive view of the market dynamics. For those looking to navigate the St. Louis real estate landscape, MORE, REALTORS® offers expert insights and guidance.
A federal class-action lawsuit filed September 19, 2025, claims Zillow uses its dominant position in online real estate to mislead home buyers and conceal referral-based payments. The complaint states that Zillow “tricks [buyers] into signing up with a Zillow agent,” describing a system that hides Zillow’s involvement behind user-friendly website buttons and misleads consumers into thinking they are contacting the listing agent.
The lawsuit states: “Zillow’s website has a big button in bright blue lettering posted next to the house listing that says ‘Contact Agent’… Buyers, however, naturally believe they are contacting the listing agent. Instead, they are routed to a Zillow-affiliated buyer’s agent.” It continues, “Zillow designs its website to trick potential buyers into connecting with a Zillow-affiliated agent instead of the seller’s agent.”
Once a consumer clicks the button, “Zillow farms out these leads to Zillow-affiliated agents who are part of the Zillow Flex program.” Those agents then “arrange a tour of the home by getting the buyer to sign a ‘Touring Agreement.’ The ‘Touring Agreement’ promises the buyer that the agent’s services are ‘free,’ but this is deceptive and not true: if the sale goes through, the buyer’s agent still receives a commission.” If that agent is a Zillow Flex agent, “he or she has to pay Zillow up to 40% of the agent’s commission,” a charge described as “Hidden Zillow Fees,” which are “never disclosed to the buyer or the seller”.
While the Touring Agreement is introduced early in the process, it’s important to note that the local agent, the one actually working with the buyer, may, and often does, go on to explain representation, buyer agency agreements, and compensation clearly and transparently. The lawsuit does not claim that local agents are misleading consumers. Its allegations are directed specifically at how Zillow’s platform is structured and presented, not at the behavior of the agents receiving leads.
The suit further alleges that Zillow exercises strict control over agents in its Flex program: “Zillow Flex agents are also required to steer buyers to Zillow Home Loans; if the agents fail to meet certain quotas, they are dropped from the program.”
According to the lawsuit, “Zillow’s scheme has the intent and the effect of unlawfully maintaining high and inflexible commissions that drive up the prices that buyers must pay.”
Referral fees, such as those paid in the Flex program, are a common part of the real estate industry. Agents frequently pay similar fees to relocation companies or out-of-market brokerages when working with referred clients. Disclosure of referral fees to consumers is not required under RESPA or Missouri/Illinois real estate license law, and is not standard industry practice. The lawsuit does not take issue with referral fees themselves, but rather with the way Zillow’s platform allegedly misleads consumers into thinking they are contacting the listing agent and not disclosing the corporate connection or fee structure.
If you’re looking for a home in St. Louis or considering selling one, it’s worth remembering that **you have local options. The official St Louis Real Estate Search site includes all listings from MARIS, the same data Zillow uses, but is operated by local real estate professionals at MORE, REALTORS®. You can also check your home’s estimated value using the free Home Valuation Tool based on real-time market conditions.
The full lawsuit is included below for those who want to read the complete filing.
Color isn’t just “pretty.” Thoughtfully used, it can lift mood, energize a room, calm a busy mind, and even make homes easier to navigate. Decades of research show that color influences how we feel, think, and behave. The secret is intentional, balanced use—often a confident accent paired with clear contrast.
Why color changes how we feel
Two simple qualities, brightness and saturation predict much of our emotional response to color. Brighter, more saturated hues tend to feel more positive and energizing, while dimmer, grayer versions dampen that response. This pattern has been replicated repeatedly across laboratory and real‑world settings (see sources).
There’s also a comfort “sweet spot.” Studies comparing interior color schemes suggest extremely dull spaces can under‑stimulate while overly intense palettes can overwhelm. Moderate, intentional color often supports alertness and comfort best.
A note for seniors (and why all‑cream can fall flat)
As we age, subtle color differences get harder to perceive and low‑contrast rooms can feel washed out. Evidence based design for aging and dementia care recommends using color and especially contrast to support mood, orientation, and independence. All‑neutral, low‑contrast spaces can be visually monotonous; a single accent wall or colorful focal point brings back interest and lift without overwhelming the space.
What common colors often communicate
Associations vary by culture and memory, but these cues are widely observed:
Red — energy and urgency; best as a small pop.
Orange — sociable and welcoming; warms gathering spaces.
Yellow — optimism; try muted, sun‑kissed tones.
Green — renewal and balance; biophilic and easy on the eyes.
Blue — calm and clarity; terrific for bedrooms and studies.
Neutrals — timeless when paired with contrast and a confident accent.
It’s no accident that beloved destinations wear bold blues and sun‑washed color. Research links viewing blue and green spaces (sea, sky, nature) with lower stress and better mood. Across the Mediterranean and Caribbean, color is part of place identity: Willemstad, Curaçao (a UNESCO site) is famed for vivid facades in reds, blues, ochres, and greens; Burano in the Venetian Lagoon wears cheerful, high‑visibility hues, traditionally explained by fishermen finding home through fog; and Chefchaouen, Morocco, the “Blue City,” features layered blues often linked to Sephardic Jewish traditions of sky‑blue symbolism. Design‑wise, these palettes pair soothing sea‑and‑sky hues with warm accents—an engaging, photo‑friendly balance you can echo at home with a single accent wall or colored focal piece.
Practical palettes by room
Living & Dining (gathering zones): Choose warm, mid‑saturation hues (terracotta, soft coral, olive, marigold) as accents. Pair with creamy neutrals and natural textures. Keep one clear focal wall or element so photos feel compelling, not busy.
Kitchens: Colored island bases (ink blue, eucalyptus green) or a soft‑hued backsplash add personality while keeping cabinets neutral. Mind undertones so counters, floors, and walls harmonize.
Bedrooms & Studies: Softer blues and greens promote calm; dial saturation to medium or low. Use contrast at headboard/wall and drapery/trim for definition.
Entries & Halls: Create wayfinding with contrast: lighter walls, slightly deeper doors/handrails, and defined floor transitions—especially helpful for older eyes.
How to use color with confidence (at home or for selling)
Choose a hero, not a rainbow. Pick one accent wall or one large colored element (island base, headboard wall, big art piece) for impact without clutter.
Pair color with contrast. Ensure doors, railings, counters, and floor transitions don’t blend together—contrast helps visibility, wayfinding, and photos.
Mind the light. The same paint shifts from morning to evening; test large swatches on two walls and live with them for 48 hours.
Warm where we gather; cool where we rest. Use energetic, mid‑saturation warms in social zones and calmer greens/blues in bedrooms and reading nooks.
Let listing photos sing. A confident accent plus styled neutrals photographs more “alive” than all‑beige everything.
Mini Case Study: One Weekend, One Wall
Before: entry and living room read flat in photos (all creamy neutrals, low contrast). After: we repainted one living‑room wall a softened eucalyptus, swapped two pillows, added a wood tray vignette, and framed neutral art with black trim for contrast. Result: photos popped, online saves doubled, and showings increased the following weekend, no “rainbow,” just a confident accent with clear contrast.
The bottom line
Color isn’t about being daring for daring’s sake. It’s about crafting environments that feel good to live in, energizing the right moments, soothing the others, and helping every age navigate home with confidence. Evidence suggests that measured, intentional color can support positive mood and day‑to‑day function, while an all‑neutral, low‑contrast world often under‑stimulates.
So go ahead, pick a hue that makes your heart lift, ground it with great lighting and contrast, and let your space smile back at you.
Work with a Realtor® who has a vision for decorating and staging homes. If you’re a seller, I can use my knowledge and experience to help you do the right tweaks to your home to guarantee your home shows it’s best. If you are a buyer, I can help you see the potential in a listing that may not be obvious or apparent. Lisa Garza STLLisa.com Lisa.Garza@STLRE.com 314.924.5472
Sources (plain‑English highlights)
Elliot, A. J. (2015). Color and psychological functioning: a review. Frontiers in Psychology / Annual Review of Psychology.
Valdez, P., & Mehrabian, A. (1994). Effects of color on emotions. Journal of Experimental Psychology: General.
Küller, R., Mikellides, B., & Janssens, J. (2009). Color, arousal, and performance. Color Research & Application.
Tofle, R. B., et al. (2004). Color in Healthcare Environments. The Center for Health Design.
Ulrich, R. S. (1984). View through a window may influence recovery from surgery. Science.
White, M. P., et al. (2020). Blue space, health and well‑being: narrative overview. Environmental Research.
Wiener, J. M., & Pazzaglia, F. (2021). Ageing‑ and dementia‑friendly design. Frontiers in Psychology.
UNESCO World Heritage Centre. Historic Area of Willemstad, Curaçao. (for the color tradition)
Isola di Burano (official site). Legends about Burano’s colorful houses. (for the fog/fishermen story)
AFAR Magazine. Why is Chefchaouen, Morocco, painted blue? (overview of theories)
If you’ve ever sat through a weekend “get rich with real estate” seminar, you’ve probably heard this pitch: St. Louis is the affordable Midwest market with strong cash flow, stable renters, and easy entry points.
And for many investors, that sounds like the perfect recipe for a better retirement, a nest egg for the family, or a shot at financial freedom.
But here’s the truth: without the right guidance, St. Louis can turn from opportunity into nightmare—fast.
This is the real story of one out-of-state investor who trusted the hype, bought “off market” without local representation, and walked straight into a $150,000 mistake.
🎯 The Investor’s Dream
My client is a hard-working man in his mid-fifties living on the East Coast. Like many in his shoes, he was looking for a way to build long-term wealth and provide for his family.
He heard what countless others are told: “St. Louis is the place to buy.”
So he jumped in, wiring $150,000 for his first turnkey rental property.
No Realtor® commissions (because it was an “off market” deal).
A property management company already lined up.
Fresh-looking siding and new stainless steel appliances.
Promises of strong rent and easy passive income.
It looked like the perfect start.
🚨 The Reality Check: What Went Wrong
Within months, the shiny promises started peeling away—literally.
Bad Tenants + Weak Management The property management company was unresponsive. Their “repairs” were more about lipstick on a pig than real fixes. Within seven months, the tenants had to be evicted for nonpayment.
Vacancy = Higher Risk During the turnover period, his brand-new furnace and stainless appliances were stolen. A stolen car was even dumped in the backyard.
Neighborhood Surprises He installed cameras only to discover neighbors using his electrical outlets, kids climbing his trees, and strangers cutting through his property daily.
The Siding Illusion That “new siding” from the distance photos? Up close, it was a patchwork of leftover pieces, spray-painted to match.
The Pricing Bombshell When we pulled records, I had to deliver devastating news: the property had been on the market for months with no takers. The listing was canceled, only to close seven days later—with him paying tens of thousands more than the previous asking price.
❓ Why Do Out-of-State Investors Get Burned in St. Louis?
St. Louis is a complex market. Its very strengths—affordability, diverse neighborhoods, investor-friendly pricing—are what attract both legitimate buyers and predatory operators.
Here are the common traps:
“Off Market” Doesn’t Mean Better It often means no MLS data, no comps, and no protection.
Neighborhood Nuance St. Louis is a block-by-block city. One street may be a rental goldmine; the next could be plagued with vacancy and crime.
Conflict of Interest in Management Some turnkey sellers recommend (or own) the management company—so they’re getting paid twice, while the investor absorbs the risk.
Compliance Costs From municipal occupancy inspections to lead-safe rules, new investors often underestimate the true cost of staying compliant.
🎤 But Wait—Do These Seminars Ever Work?
Here’s the truth: the people on stage running these weekend investor bootcamps? Many of them really are successful investors.
So yes—can it work? Absolutely.
But here’s the difference:
They know how to vet properties, management companies, and contractors.
They’ve built teams who protect their money when they invest out-of-state.
They understand the neighborhoods where they’re buying—sometimes because they’ve lived there or studied the market for years.
You, the brand-new investor? You don’t have those systems yet. And that’s where the danger lies.
They may be friendly. They may seem incredibly helpful. But at the end of the day, they don’t protect you if the deal goes sideways. Their bank account doesn’t take the hit—yours does.
Think of it this way: watching a celebrity chef on TV might inspire you to try soufflé at home. But if you don’t know how to separate the eggs or preheat the oven correctly, you’re more likely to end up with a collapsed mess than a five-star dessert.
It’s not that soufflé doesn’t work. It’s that you need the skill and support before you can pull it off.
🧮 The Numbers Have to Work (“The Math Has to Math”)
One of the biggest mistakes new investors make is treating their first property like an emotional purchase.
They fall in love with the idea of passive income. They get excited by the photos. They want to believe the pitch.
But here’s the reality: real estate investing is a numbers game.
If the rent doesn’t cover your mortgage, taxes, insurance, and reserves, it’s not a deal.
If the rehab budget is too low to fix the real problems, it’s not a deal.
If you can’t see a path to positive cash flow in the first year, it’s not a deal.
That’s why I tell my investor clients: “The math has to math.”
Once the numbers line up, then it’s time to pull the trigger. That first successful deal becomes the foundation for many more. But you’ve got to have the confidence that the person you’re working with is truly interested in your success—not just in selling you a property.
🏘️ Why Having a Realtor Who’s Also an Investor Matters
Here’s where my perspective comes in: I’m not only a Realtor® in St. Louis—I’ve personally owned rental properties and flipped homes for profit.
That means I don’t just run the numbers on a spreadsheet; I’ve lived what it means to handle tenants, manage contractors, and make (or lose) money on a deal.
When I walk a property, I’m looking at it through both lenses:
As a Realtor® trained to protect your legal and financial interests, and
As an investor who knows the difference between a money-maker and a money pit.
That combination is exactly what was missing in my client’s first purchase—and it cost him dearly.
📊 St. Louis Investor FAQs
Q: Is St. Louis still a good place to invest in 2025? A: Absolutely—if you’re strategic. Properties priced right in stable neighborhoods still deliver strong returns. The key is local expertise and due diligence.
Q: Can’t I just trust a property manager recommended by the seller? A: That’s like asking a used car dealer to pick your mechanic. Always interview multiple managers and ask for references from current clients.
Q: How do I know if I’m overpaying? A: A Realtor® with access to MARIS MLS can pull comps, rental histories, and days-on-market data that “off market” sellers won’t show you.
✅ How to Avoid a $150K Mistake
If you’re considering buying in St. Louis, here’s your investor safety checklist:
Work with a Realtor® who understands investing firsthand. Not just someone who sells houses, but someone who’s owned them, managed them, and flipped them.
Get independent inspections. Don’t trust seller-provided reports.
Check neighborhood trends. Look at vacancy rates, crime reports, and appreciation patterns.
Verify rent comps. Use MLS data and public records, not seminar slides.
Budget realistically. Factor 10–15% vacancy/maintenance—not the 2% “pro forma” number often pitched.
📝 Final Word
St. Louis offers incredible opportunities for investors—but it’s not a city you can buy into blindly.
For my client, the difference between a solid portfolio and a six-figure mistake came down to one choice: he had no one protecting his interests.
If you’re thinking about investing here, don’t let your first $150K be a tuition payment in the school of hard knocks.
👉 Thinking about investing in St. Louis?
I’ve worked with first-time investors, out-of-state buyers, and seasoned pros alike. Before you buy, let’s talk strategy, neighborhoods, and numbers—so your story ends with cash flow, not caution tape. Karen Moeller STLKaren.com Karen.McNeill@STLRE.com 314.678.7866
The Franklin County real estate market experienced notable growth in August 2025, with homes selling for a median price of $293,000. This marks a 14.90% increase from August 2024, when the median sold price was $255,000, and an 11.62% rise from July 2025, which saw a median sold price of $262,500. The median list price also climbed to $289,900, up 14.81% from $252,500 in August 2024. Additionally, the number of home sales increased by 3.33%, with 124 homes sold compared to 120 in the same month last year. For a visual representation of these trends, please refer to the chart below, available exclusively from MORE, REALTORS®. Stay informed on the latest real estate trends in Franklin County with insights from MORE, REALTORS®, your trusted source for St. Louis, MO real estate updates.
In August 2025, the St. Louis County real estate market experienced notable changes, with homes selling for a median price of $290,000. This represents a 5.07% increase from the median sold price of $276,000 in August 2024. However, it marks a 2.36% decrease from July 2025, when the median sold price was $297,000. The median list price also saw growth, reaching $289,900, up 5.42% from $275,000 in August 2024.
The number of home sales in the region was slightly down, with 1,297 transactions in August 2025, a 0.46% decline from the 1,303 sales recorded in August 2024. For a visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This chart provides a detailed look at the evolving dynamics of the St. Louis County real estate market, offering invaluable insights for buyers, sellers, and industry professionals.
In September 2025, St. Louis homebuyers continue to face a challenging market as mortgage rates remain elevated. The 30-year fixed-rate mortgage stands at 6.22%, reflecting a 0.09% increase since last reported. The 15-year fixed mortgage also edged up to 5.75%. While some may have expected relief after the Federal Reserve’s latest move, that hasn’t materialized—at least not yet.
Yesterday, the Federal Reserve announced its first rate cut of the year, lowering the federal funds rate by 25 basis points to a target range of 4.00% to 4.25%. This marked a shift in policy as the Fed responded to slowing job growth and a cooling economy. However, unlike some past rate cuts, mortgage rates have not dropped in tandem.
This disconnect is due to a few key reasons. Mortgage rates are primarily influenced by longer-term Treasury yields and the pricing of mortgage-backed securities (MBS), not just the Fed’s short-term rate. Inflation remains higher than the Fed’s target, and concerns over future price growth are keeping long-term yields elevated. In addition, the Fed has continued reducing its balance sheet, including MBS holdings, which has made the mortgage market more volatile and less liquid.
In plain terms, even though the Fed is trying to ease overall borrowing costs, the market isn’t fully cooperating—at least not yet. So, while the rate cut may have helped prevent mortgage rates from going even higher, it’s not delivering the kind of relief buyers might expect.
For St. Louis-area buyers, this means affordability is still under pressure. Higher rates translate to higher monthly payments, and that may cause some buyers to delay their plans. Sellers may also notice more hesitancy from buyers. While the Fed’s action is a step toward lower rates, the mortgage market is marching to its own beat right now.
To better understand these trends and historical rate changes, prospective buyers and sellers can refer to the chart button below for detailed historical data. This information is provided by MORE, REALTORS®, a trusted source for real estate insights in the St. Louis area. Staying informed and working with an experienced real estate professional is key in a market like this.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.22%
+0.09%
15 Yr. Fixed
5.75%
+0.04%
30 Yr. FHA
5.95%
+0.04%
30 Yr. Jumbo
6.14%
-0.01%
7/6 SOFR ARM
5.65%
+0.00%
30 Yr. VA
5.98%
+0.06%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of September 18, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
The St. Louis metropolitan area is experiencing a dynamic real estate market, with certain zip codes in both Missouri and Illinois standing out for their rapid sales. Leading the pack is zip code 62014 in Macoupin County, Illinois, where homes are selling at an unprecedented pace. With an average of 0 days on the market, the 7 active listings in this area have an average list price of $231,157. This swift turnover highlights a robust demand for properties, making it an attractive prospect for both buyers and sellers looking to capitalize on the current market conditions.
Close behind, zip code 62204 in St. Clair County, Illinois, also boasts 7 listings with an average market time of 0 days. Not far from the top, Clinton County’s 62230 zip code features 6 listings, similarly selling in 0 days on average. These areas are proving to be hotspots for families and individuals alike, seeking to invest or settle in the vibrant St. Louis region. For a complete list of the fastest selling zip codes, interested parties can refer to the detailed report provided by MORE, REALTORS®. With such rapid movement in these markets, potential buyers and sellers are encouraged to act swiftly to take advantage of these opportunities.
The Jefferson County real estate market continues to show dynamic shifts as we move into September 2025. In August 2025, homes sold for a median price of $300,000, marking a 7.53% increase from August 2024, when the median sold price was $279,000. However, this figure represents a slight decrease of 1.64% from July 2025’s median sold price of $305,000.
The median list price in August 2025 was $295,000, an 8.88% rise from $270,950 in August 2024. Despite the increase in listing prices, the number of home sales experienced a downturn. There were 253 home sales in Jefferson County in August 2025, a 10.28% decrease from the 282 sales recorded in August 2024.
For a detailed breakdown of these statistics, refer to the chart below, available exclusively from MORE, REALTORS®. This data-driven insight is vital for anyone interested in the St. Louis, MO real estate market, providing a clear picture of current trends and helping you make informed decisions.
If you’re considering buying or selling a home in the St. Louis metropolitan area, keeping an eye on the fastest selling school districts can give you a competitive edge. Leading the pack is ASHLEY DIST 15 in Illinois, where homes have been flying off the market at an unprecedented pace. With an average of zero days on the market and an average list price of $194,450, this district is attracting considerable attention from families looking for quick transactions and competitive pricing.
Following closely is the Bayless district in Unincorporated, Missouri, which also boasts an average of zero days on the market across 13 listings. BREESE DIST 12 in Illinois rounds out the top three, with its four listings moving just as swiftly. For those interested in a complete list of the fastest selling school districts, MORE, REALTORS® provides additional insights at the end of this article. Whether you’re buying or selling, understanding these market dynamics can help you make informed decisions in the vibrant St. Louis real estate market.
As of September 11, 2025, mortgage rates in the St. Louis area continue their upward trajectory, maintaining levels that have become the norm in recent months. The 30-Year Fixed Rate remains unchanged at a moderate 6.29%, while the 15-Year Fixed Rate has seen a slight increase, now standing at 5.70%. This minor uptick marks a continued trend toward higher borrowing costs, reflecting broader economic conditions impacting mortgage rates nationwide.
For prospective homebuyers and sellers in the St. Louis market, these rate changes signify a period of careful consideration. Buyers may find the cost of financing a home slightly more challenging, impacting their purchasing power. Conversely, sellers might experience a slow-down in demand, necessitating strategic pricing to attract buyers. Experts suggest keeping an eye on the adjustable rate offerings, such as the 7/6 SOFR ARM, which has decreased to 5.65%, presenting a potentially attractive option for those seeking lower initial payments.
For a historical perspective on how these rates have evolved, please refer to the chart button below. This information is brought to you by MORE, REALTORS®, providing insights into the current mortgage landscape and its implications for the St. Louis real estate market.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.29%
+0.00%
15 Yr. Fixed
5.70%
+0.01%
30 Yr. FHA
5.99%
+0.01%
30 Yr. Jumbo
6.25%
+0.00%
7/6 SOFR ARM
5.65%
-0.03%
30 Yr. VA
6.01%
+0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of September 11, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
In July 2025, Governor Mike Kehoe signed House Bill 594, a groundbreaking reform that retroactively eliminates all Missouri state capital gains taxes for individuals, effective January 1, 2025. With this law, Missouri becomes the first U.S. state imposing an individual income tax to completely exempt personal capital gains from state taxation. Now, all capital gains—whether short-term or long-term, from sales of stocks, bonds, real estate, cryptocurrency, or businesses—are fully deductible from Missouri taxable income, thanks to a 100% subtraction for individuals.
This tax shift delivers powerful incentives across the board:
Real estate investors—especially those holding rental properties—face less friction when deciding to sell, since state taxes no longer eat into their gains.
Homeowners considering selling due to profit or lifestyle changes may now benefit from greater net proceeds.
Other asset holders (e.g., stocks or crypto investors) can also capitalize on improved after-tax returns.
But it’s important to be clear: federal capital gains taxes still apply. Long-term gains remain subject to 0%, 15%, or 20%, depending on income level, while short-term gains are taxed as ordinary income. Missouri’s reform exclusively addresses state tax liability, leaving federal obligations untouched.
Consider this scenario: A real estate investor bought a rental property 10 years ago for $150,000, has taken $25,000 in depreciation, and is now selling it for $300,000 in 2025. Here’s how the Missouri state tax savings break down:
Calculate gain: – Sale price: $300,000 – Adjusted basis (purchase price minus depreciation): $150,000 − $25,000 = $125,000 – Capital gain: $300,000 − $125,000 = $175,000
State tax under prior law (4.8% top rate): $175,000 × 4.8% = $8,400 in Missouri state tax liability.
With HB 594 in effect: That $8,400 in state taxes is entirely eliminated—meaning the investor now keeps an additional $8,400 compared to pre‑2025 law.
Clarification: This is state-level relief only. The investor still owes federal capital gains tax, determined by whether the gain is short-term or long-term (0%, 15%, or 20%). HB 594 simply removes the Missouri tax burden, dramatically improving the after-tax outcome for sellers as of 2025.
Curious about what this means for your home or your next move? I’m here to help you make sense of it all — with insight, strategy, and no fluff.
The August 2025 housing data from Realtor.com® shows the national housing market gradually shifting toward balance, but here in St. Louis, we continue to stand out as one of the tightest markets in the country. While inventory is rising across much of the U.S., St. Louis saw just a 13.6% increase in active listings year-over-year—well below the national 20.9% gain. Even more telling, our market had only 2.9 months of supply in June, a strong indicator that sellers still have the upper hand locally, despite the broader cooling trend.
Across the 50 largest metros, St. Louis ranks among those with the lowest inventory relative to pre-pandemic levels, and while home prices nationally have flattened, local list prices have held fairly steady. In August, the median list price in St. Louis was $300,000, down just 0.6% from last year, and price per square foot declined only 1.5%. With homes selling in just 4 days longer than a year ago, our region is seeing far less slowdown in buyer activity compared to markets like Las Vegas, Nashville, or Miami, where days on market are stretching significantly longer.
That said, the trend of more listings with price reductions is beginning to show up locally as well—17.1% of homes in St. Louis had price cuts in August, up slightly from last year. This suggests that while demand remains relatively strong, buyers are pushing back on price in some segments of the market. Still, with continued tight supply and homes selling faster than the national average, St. Louis remains a competitive market, especially for well-priced, move-in-ready homes.
For sellers, this means there’s still a strong opportunity—but proper pricing is key. For buyers, staying alert and ready to move quickly is more important than ever. And whether you’re on the buying or selling side, working with an experienced local agent can make all the difference. If you’re considering a move in the St. Louis area, I encourage you to reach out to MORE, REALTORS®
The Metro East real estate market continues to show robust activity, as evidenced by the latest data from August 2025. Homes in the area sold for a median price of $210,000, marking a 5.00% increase from the median sold price of $200,000 in August 2024. However, this figure represents an 8.70% decline from July 2025, when the median sold price was $230,000. The median list price also saw an uptick, reaching $209,900, which is a 5.11% rise from $199,700 in August 2024.
Home sales volume has also increased, with 675 homes sold in August 2025, up 3.53% from 652 sales in the same month last year. This data is illustrated in the chart below, available exclusively from MORE, REALTORS®. These trends highlight the dynamic nature of the Metro East real estate market, making it an important area for potential buyers and sellers to watch closely. For more detailed insights and assistance, contact MORE, REALTORS®, your trusted partner in navigating the St. Louis, MO real estate landscape.
The St. Charles County real estate market experienced notable shifts in August 2025. Homes sold for a median price of $357,195, marking a 1.55% increase from the median price of $351,750 in August 2024. However, this figure represents a 2.80% decrease compared to July 2025, when the median sold price was $367,500. The median list price remained stable at $350,000, unchanged from August 2024.
In terms of sales volume, there were 475 home sales in August 2025, reflecting an 8.30% decline from the 518 homes sold in August 2024. For a visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This chart provides a comprehensive overview of the market dynamics and is a valuable resource for anyone interested in the St. Louis, MO real estate scene. For further insights and expert guidance, consider reaching out to MORE, REALTORS®, your trusted partner in navigating the St. Louis real estate market.
The real estate market in the St. Louis Metropolitan Statistical Area (MSA) experienced notable changes in August 2025. Homes sold for a median price of $285,000, marking a 5.24% increase from the median price of $270,800 in August 2024. However, this represents a slight decrease of 2.56% from July 2025, when the median price was $292,500. The median list price saw a similar trend, rising to $284,900 in August 2025, up 5.52% from $270,000 in August 2024.
In terms of sales volume, there were 3,306 home sales in the St. Louis MSA during August 2025, a slight decrease of 1.52% compared to the 3,357 homes sold in August 2024. For a visual representation of these trends, refer to the chart below, which is available exclusively from MORE, REALTORS®. This data provides valuable insights for buyers and sellers navigating the dynamic St. Louis real estate market.
As of early September 2025, St. Louis homebuyers are witnessing a favorable shift in mortgage rates, with notable decreases across several categories. The 30-year fixed rate mortgage has dipped to 6.49%, down by 0.04%, marking a significant drop below the 6.5% threshold that had been maintained in recent months. Similarly, the 15-year fixed rate now stands at 5.85%, showing a slight decrease of 0.03%. These reductions reflect a broader trend of falling rates in the market, offering potential buyers and refinancers in the St. Louis area a more attractive environment for securing home loans.
For those considering larger homes, the 30-year jumbo rate is currently at 6.42%, while government-backed loans such as the 30-year FHA and 30-year VA are also seeing reductions, with rates at 6.05% and lower, respectively. Adjustable-rate mortgages, exemplified by the 7/6 SOFR ARM, have decreased to 5.82%, providing another flexible option for buyers. These shifts present an opportunity for both buyers and sellers in St. Louis; buyers can benefit from lower monthly payments, while sellers may see increased interest and activity in the market.
For a more detailed look at historical rate changes, please refer to the chart button below. This information is provided by MORE, REALTORS®, ensuring that you are equipped with the most current and comprehensive data on St. Louis mortgage rates. Whether you’re entering the market or considering refinancing, these rate adjustments could significantly impact your financial plans and homebuying strategy.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.49%
-0.04%
15 Yr. Fixed
5.85%
-0.03%
30 Yr. FHA
6.05%
-0.04%
30 Yr. Jumbo
6.42%
-0.05%
7/6 SOFR ARM
5.82%
-0.09%
30 Yr. VA
6.07%
-0.03%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of September 4, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
In August 2025, the St. Louis real estate market is witnessing a slight yet noteworthy decline in mortgage rates, providing a glimmer of hope for potential homebuyers. The 30-year fixed mortgage rate has decreased marginally by 0.01%, settling at 6.51%. Similarly, the 15-year fixed rate has dropped by 0.02% to 5.88%. These small reductions, although modest, are a positive signal for those looking to enter the housing market in a period where rates have consistently hovered above 6.5%.
For local buyers and sellers in St. Louis, these rate adjustments could have significant implications. Buyers may find this dip an encouraging sign to take advantage of slightly lower borrowing costs, while sellers might see increased activity as more buyers are drawn to the market. It’s an opportune moment to explore the potential for refinancing existing loans or locking in rates before any future increases. To view how these rates have changed over time, please refer to the chart button below for historical data.
According to MORE, REALTORS®, these changes reflect a broader trend of falling rates, which could stimulate the St. Louis housing market. As rates continue their gradual descent, it’s crucial for both buyers and sellers to stay informed about these shifts to make the most financially sound decisions. Keep an eye on current mortgage rates and local market trends to navigate this evolving landscape effectively.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.51%
-0.01%
15 Yr. Fixed
5.88%
-0.02%
30 Yr. FHA
6.08%
-0.02%
30 Yr. Jumbo
6.48%
-0.02%
7/6 SOFR ARM
5.95%
-0.02%
30 Yr. VA
6.09%
-0.03%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of August 28, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
In August 2025, St. Louis homebuyers and sellers are witnessing a continued rise in mortgage rates, with the 30-year fixed-rate mortgage reaching 6.54%, marking a 0.02% increase. This upward trend is mirrored across other mortgage products, including the 15-year fixed rate which rose to 5.93%, and the 30-year jumbo rate now standing at 6.55%. These rate increases are indicative of a tightening mortgage market in St. Louis, further evidenced by the 30-year FHA rate at 6.12% and the adjustable 7/6 SOFR ARM at 5.99%.
For prospective buyers in St. Louis, these rising rates may impact affordability and purchasing power, potentially influencing their home buying decisions. Sellers might also feel the effects as higher rates could temper demand, prompting strategic pricing adjustments. As the market shifts, both buyers and sellers should consider these changes and consult with local real estate experts to navigate the evolving landscape.
For a detailed view of historical mortgage rates, please refer to the chart button below. This information is brought to you by MORE, REALTORS®, providing insights into the St. Louis real estate market. Stay informed on the latest trends in ‘St Louis mortgage rates’ and ‘current mortgage rates’ to make well-informed real estate decisions.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.54%
+0.02%
15 Yr. Fixed
5.93%
+0.03%
30 Yr. FHA
6.12%
+0.01%
30 Yr. Jumbo
6.55%
+0.00%
7/6 SOFR ARM
5.99%
+0.00%
30 Yr. VA
6.14%
+0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of August 25, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
In August 2025, St. Louis mortgage rates have continued their upward trajectory, with the 30-year fixed rate nudging up to 6.61%, a small increase of 0.01% from previous levels. This shift follows a pattern of rising rates, impacting the affordability of home loans within the region. The 15-year fixed rate also saw a modest increase, reaching 5.97%. However, not all rates followed the same path; the 30-year Jumbo rate decreased slightly, signaling mixed movements in the mortgage landscape.
For prospective homebuyers in St. Louis, these rising rates could mean higher monthly payments, potentially affecting purchasing power in an already competitive market. Sellers might experience a shift in buyer urgency, as some may look to lock in rates before further increases. The current economic conditions make it vital for both buyers and sellers to stay informed. Historical data, accessible via the chart button below, can provide additional insights into these trends.
The information in this report is provided by MORE, REALTORS®, offering a comprehensive overview of current mortgage conditions in the St. Louis area. As rates climb, understanding these fluctuations becomes crucial for making informed real estate decisions. For ongoing updates and detailed analysis, keep an eye on local real estate news and resources.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.61%
+0.01%
15 Yr. Fixed
5.97%
+0.01%
30 Yr. FHA
6.19%
+0.01%
30 Yr. Jumbo
6.68%
-0.02%
7/6 SOFR ARM
6.13%
-0.03%
30 Yr. VA
6.21%
+0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of August 21, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
The St. Louis City real estate market has experienced notable shifts as of August 2025. Homes in the area sold for a median price of $247,250 in July 2025, marking a 9.89% increase from July 2024 when the median price was $225,000. However, this figure also represents a 4.52% decrease compared to June 2025, when the median sold price was $258,965. The median list price in July 2025 was $248,950, up 13.16% from $220,000 in July 2024, indicating a robust increase in seller expectations.
Despite the rise in prices, the number of home sales has decreased. In July 2025, there were 260 home sales in St. Louis City, a 16.40% drop from the 311 sales recorded in July 2024. These trends suggest a dynamic market where prices are climbing even as the volume of sales declines. For a visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data underscores the evolving nature of the St. Louis real estate market, providing valuable insights for buyers, sellers, and real estate professionals alike.
In July 2025, the St. Louis County real estate market saw a notable increase in home prices, with homes selling for a median price of $299,250. This represents a 6.78% increase from the median price of $280,250 recorded in July 2024. However, the median sold price in July 2025 shows a slight decrease of 0.75% from June 2025, when it was $301,500. The median list price in July 2025 was $289,900, marking a 5.42% rise compared to $275,000 in July of the previous year.
The number of home sales in St. Louis County experienced a minor decline, with 1,310 homes sold in July 2025, down 0.46% from the 1,316 homes sold in July 2024. The chart below, available exclusively from MORE, REALTORS®, illustrates these trends and provides a comprehensive overview of the current market dynamics. For those interested in detailed insights and data on the St. Louis County real estate market, MORE, REALTORS® remains a trusted resource.
In the latest update for the Franklin County real estate market, July 2025 saw homes selling for a median price of $260,000. This marks a 5.80% decrease from the median price of $276,000 recorded in July 2024. Additionally, the July 2025 median price represents a slight decline of 0.57% compared to June 2025’s median of $261,500. The median list price for homes in July 2025 was $269,000, down 3.76% from $279,500 in July 2024.
Despite the decrease in prices, home sales in Franklin County have seen a notable increase. In July 2025, there were 119 home sales, a significant rise of 15.53% from the 103 sales in July 2024. The chart below, available exclusively from MORE, REALTORS®, illustrates these trends and provides further insights into the current market dynamics. For those interested in the St. Louis, MO real estate market and looking for expert guidance, MORE, REALTORS® is your trusted partner.
As of August 18, 2025, mortgage rates in the St. Louis area have seen a notable rise, with the 30-year fixed rate now at 6.58%, up by 0.02%. This marks a continued trend of increasing mortgage costs, pushing rates to levels above 6.5%, a significant milestone for potential homebuyers and refinancers. The 15-year fixed rate also experienced a slight uptick, now standing at 5.95%, reflecting a broad upward trajectory across various loan products including the 30-year FHA and Jumbo options.
For those navigating the St. Louis real estate market, these climbing rates could impact purchasing power and monthly affordability. Buyers might face higher monthly payments, while sellers may need to adjust pricing expectations as the pool of potential buyers shrinks due to increased borrowing costs. It’s crucial for market participants to stay informed of these changes. For historical rate comparisons and further insights, interested parties are encouraged to refer to the chart button below.
Provided by MORE, REALTORS®, this data highlights the importance of timing in real estate transactions as mortgage rates shape the landscape of buying and selling in St. Louis. Keeping a close eye on these trends can help both buyers and sellers make informed decisions in a dynamic market environment.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.58%
+0.02%
15 Yr. Fixed
5.95%
+0.01%
30 Yr. FHA
6.18%
+0.03%
30 Yr. Jumbo
6.69%
+0.01%
7/6 SOFR ARM
6.15%
+0.00%
30 Yr. VA
6.19%
+0.02%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of August 18, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
The St. Louis metropolitan area is experiencing a vibrant real estate market, with certain zip codes leading the charge in rapid home sales. Topping the list is zip code 63012 in Jefferson County, Missouri, where homes are flying off the market with an average listing duration of zero days. This area currently boasts nine active listings, with an average list price of $376,089, making it an attractive option for families seeking swift transactions and competitive pricing.
Following closely are zip codes 63074 and 63126, both located in St. Louis, Missouri. Each of these areas also sees homes selling within zero days on the market, with 15 and 16 active listings, respectively. The demand for homes in these zip codes highlights the dynamic nature of the St. Louis real estate scene, offering promising opportunities for both buyers and sellers. For a complete list of the fastest selling zip codes, potential buyers and sellers can refer to the detailed insights provided by MORE, REALTORS® at the end of this article. Whether you’re looking to buy or sell, these hot markets offer a glimpse into the thriving real estate opportunities within the St. Louis area.
The Jefferson County real estate market continues to show strong growth as of August 2025, with significant increases in both home prices and sales activity. In July 2025, homes in Jefferson County sold for a median price of $305,000, marking a 9.71% increase from July 2024, when the median sold price was $278,000. This upward trend is further highlighted by a 7.02% rise from June 2025’s median sold price of $285,000, indicating a robust demand for homes in the area.
The median list price also saw a notable increase, reaching $299,950 in July 2025, up 11.13% from $269,900 in July 2024. This aligns with the overall positive trajectory of the market, suggesting a competitive atmosphere for buyers.
Home sales in Jefferson County remained steady, with 296 homes sold in July 2025, representing a slight increase of 0.34% from 295 sales in July 2024. This stability in sales volume, combined with rising prices, underscores the area’s ongoing appeal to homebuyers.
For a detailed visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data-driven insight is essential for those interested in the St. Louis, MO real estate market, providing valuable information for both buyers and sellers.
As of mid-August 2025, mortgage rates in the St. Louis real estate market continue their upward trajectory, with the 30-year fixed rate now at 6.56%, marking a 0.03% increase. This rise places the rate well above the 6.5% threshold, a level not seen in recent months, signaling a challenging environment for prospective homebuyers. Meanwhile, the 15-year fixed rate has also seen an increase, settling at 5.94%, up by 0.04%. These adjustments reflect a broader trend of rising interest rates, affecting various loan types, including FHA, Jumbo, and VA mortgages, all of which have seen increases.
For buyers in the St. Louis area, these rate hikes could mean higher monthly payments and a potential reassessment of budgets. Sellers might also feel the impact as higher rates could dampen buyer enthusiasm, potentially leading to longer listing times. Despite these challenges, the market remains resilient, with many buyers still eager to secure properties before rates climb further. To explore historical rate trends, please refer to the chart button below. This data is provided by MORE, REALTORS®, offering a comprehensive view of current mortgage conditions.
As the market adjusts to these new rate levels, both buyers and sellers are advised to stay informed and consult with local real estate experts to navigate the evolving landscape effectively. Keeping an eye on trends in St. Louis mortgage rates is essential for making informed decisions in this dynamic market.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.56%
+0.03%
15 Yr. Fixed
5.94%
+0.04%
30 Yr. FHA
6.15%
+0.04%
30 Yr. Jumbo
6.68%
+0.01%
7/6 SOFR ARM
6.15%
+0.03%
30 Yr. VA
6.17%
+0.05%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of August 14, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
Buying a condo may seem straightforward, but the reality is that it comes with layers of complexity that most buyers—and frankly, many agents—don’t fully understand. Recently, I represented an investor client who was purchasing an off-market condo through a wholesaler. On the surface, it looked like a quick, easy, all-cash deal. But within days, it became clear that without an experienced condo buyer’s agent, this transaction could have ended in a $160,000 disaster.
From the beginning, I raised the question of the condo resale certificate—a critical document that Missouri law requires sellers to provide. This certificate includes essential information about the association’s rules, fees, assessments, and restrictions. In this case, the seller’s representative, acting for the wholesaler, not only ignored repeated requests for it but also said it wasn’t provided. That was wrong and dangerous advice. Without that resale certificate, my client could have unknowingly bought into problems that could take years to unwind. The title company didn’t step in to correct the issue either, which shows how easy it is for something so important to slip through the cracks if no one is watching out for you.
When the title commitment came back, it revealed something else—board approval was required to purchase in the building. That’s another nuance of condo ownership that many buyers don’t realize: your purchase isn’t final until the condo board says it is. I pressed the issue directly with the HOA’s finance department, which led to a call from the board president. That’s when the real twist surfaced—after running my client’s name from the trustee letter, the HOA discovered he was on the sex offender registry. Even though he was buying as an investment, the board immediately denied the sale. Without my persistence, my client might have wired $160,000, taken title, and only then found himself in litigation with an HOA that could refuse his ownership.
Situations like this are why condo buyers—whether first-time homeowners, downsizers looking for a low-maintenance lifestyle, or seasoned investors—need an agent who understands the legal requirements, the association’s governing documents, and the potential pitfalls. Missouri and Illinois each have their own condo statutes, and each HOA can impose additional rules. From uncovering hidden requirements like board approval to making sure you get the documents you’re entitled to, having a knowledgeable advocate can be the difference between a smooth move-in and a costly nightmare.
Condo owners thinking of selling should take note, too. A qualified agent can help you anticipate and resolve these issues before you even list, preventing delays or failed sales that can damage your property’s marketability.
I’m glad my client will get his $5,000 earnest money back, but it’s clear how easily the outcome could have been very different. If you’re buying or selling a condo, don’t leave it to chance—hire someone who knows the process inside and out.
Thinking about buying or selling a condo?
I would be happy to use my knowledge and experience to look out for you and your interests just like I did my client in this story and all my clients.
The St. Charles County real estate market demonstrated a robust performance in July 2025, with the median home selling price reaching $367,500, marking a 2.08% increase from the previous year. This figure slightly dipped by 0.68% from June 2025’s median selling price of $370,000. Despite the month-to-month fluctuation, the overall trend indicates healthy growth, as reflected in the median listing price of $365,000, up by 2.82% compared to July 2024.
The volume of home sales also showed positive momentum, with 577 homes sold in July 2025, an increase of 6.65% from 541 sales in the same month last year. This uptick in sales volume underscores a vibrant local housing market.
For a detailed visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This chart provides an in-depth look at the pricing and sales trends that are shaping the St. Charles County real estate landscape as of August 2025.
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