Few things feel more exciting than walking through a brand-new home. Fresh paint. Perfect grout lines.
Not a fingerprint on the fridge. For many buyers, it’s the dream — a house no one has ever lived in,
with that new-home smell and the promise of zero surprises.
But here’s the myth worth busting: new construction doesn’t mean problem-free.
It just means different problems.
The Hype
When buyers hear “new,” they often picture worry-free living — no leaky roofs, no ancient HVAC systems,
no mid-century electrical panels lurking in the basement. And while that’s mostly true, “new” can also mean untested.
In the St. Louis metro area, where many new homes are built on tight schedules and slim margins,
issues like rushed finishes, settlement cracks, or warranty confusion can pop up long before
the first anniversary of move-in.
The Reality
A brand-new home is built by humans — and sometimes by a rotating crew of subcontractors working
on multiple projects at once. Even reputable builders have occasional misses: misaligned cabinets,
HVAC balancing issues, grading problems that lead to water pooling.
Then there’s the paperwork minefield. Many buyers assume the builder’s warranty covers “everything.”
In reality, most warranties are limited — they’ll cover structural components and systems for a set period,
but rarely cosmetic or workmanship issues after the first year.
And inspections? Skipping one is a rookie mistake. A private inspector can catch what
the municipal inspector may overlook — things like missing attic insulation, reversed wiring,
or improper drainage that only reveals itself after the first big St. Louis rain.
Local Perspective
Across West County and St. Charles County, we’ve seen a surge in new-build demand,
especially in developments like Wyndgate, Briarchase, and Miralago Estates.
Buyers are lining up early, locking lots, and sometimes signing before the foundation is poured.
That excitement can lead to tunnel vision — assuming “brand new” equals “bulletproof.”
But local data (and experience) show that warranty calls and punch-list issues are part
of nearly every new-home journey.
And here’s the big one: always bring your REALTOR® with you before you ever
step foot into a model home or meet with the builder’s representative. That friendly sales rep
works for the builder — not for you. Once your name and contact info hit their visitor log,
some builders restrict outside representation. Having your agent involved from the very beginning
ensures your interests are protected, your questions are documented, and your leverage is intact
from the first conversation.
The Takeaway
A new home can absolutely be a great investment — but it’s not a shortcut past maintenance or oversight.
Treat it like any other purchase: verify, inspect, document, and involve your own representation early.
Your REALTOR® isn’t just there for closing day; they’re your advocate through every blueprint change,
inspection walkthrough, and warranty question. Because in real estate, “new” doesn’t mean flawless.
It just means the story’s still being written.
Building Soon?
Let’s make sure your new-home excitement doesn’t turn into new-home regret. I’ll help you navigate builders, inspections, and warranties so you can move in confident — not cautious.
About the Author:
Karen Moeller is a St. Louis–based REALTOR® with MORE, REALTORS®, known for her blend of insight, humor, and heart.
A Kirkwood local, data nerd and design enthusiast, she helps buyers and sellers make smart, confident moves across the metro area—always with a touch of humor and humanity.
The St. Louis Metropolitan Statistical Area (MSA) real estate market continues to show robust growth as of November 2025. Homes in the region sold for a median price of $290,000 in October 2025, marking a 3.57% increase from the $280,000 median price recorded in October 2024. This upward trend is further highlighted by a 1.75% rise from September 2025, where the median sold price was $285,000.
The median list price for homes also saw a significant increase, reaching $300,000 in October 2025. This represents a 7.14% growth compared to October 2024, when the median list price was $280,000. Additionally, the number of home sales in the St. Louis MSA rose to 3,174 in October 2025, up 2.45% from the 3,098 sales recorded in October 2024.
For a detailed visual representation of these trends, refer to the chart below, which is available exclusively from MORE, REALTORS®. This data underscores the dynamic nature of the St. Louis real estate market, reflecting both increased home values and sales activity.
In November 2025, mortgage rates for the St. Louis real estate market have continued their upward trajectory, presenting new challenges for prospective homebuyers and sellers. The 30-year fixed-rate mortgage has increased to 6.37%, up by 0.04% from previous levels. Meanwhile, the 15-year fixed rate saw a more significant rise of 0.06%, now sitting at 5.86%. These increases reflect a broader trend of climbing rates, with the 30-year FHA and Jumbo loans also experiencing hikes, reaching 6.09% and 6.40%, respectively. Notably, the adjustable-rate mortgage (7/6 SOFR ARM) has risen to 6.03%, further narrowing the options for those seeking lower initial payments.
For St. Louis area buyers, this rising rate environment means higher monthly payments and potentially tighter budgets, which could impact purchasing decisions and affordability. Sellers, on the other hand, might face a more challenging market as buyers reassess their financial capabilities in light of these higher rates. Despite these challenges, St. Louis remains an attractive market due to its relatively stable home prices and local amenities.
For those interested in historical rate trends, please refer to the chart button below. The information provided by MORE, REALTORS® highlights the current dynamics affecting the St. Louis real estate market, offering insights for potential buyers and sellers navigating these shifting conditions. As mortgage rates continue to rise, staying informed is crucial for making sound real estate decisions.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.37%
+0.04%
15 Yr. Fixed
5.86%
+0.06%
30 Yr. FHA
6.09%
+0.04%
30 Yr. Jumbo
6.40%
+0.05%
7/6 SOFR ARM
6.03%
+0.08%
30 Yr. VA
6.10%
+0.04%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of November 6, 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.
If you’ve toured a home lately, you’ve probably heard it: “Don’t worry about the rate — you can always refinance later.”
It’s catchy, comforting, and — unfortunately — a little too convenient.
The “buy now, refinance later” pitch became the industry’s favorite lullaby as rates rose. It was meant to calm nervous buyers, but it’s drifted into wishful thinking disguised as strategy.
The Hype
The logic goes like this: get in the market now, build equity, and when rates drop (soon!), you’ll simply refinance and cut your payment. Easy math, right?
But that promise assumes a crystal ball. Rates don’t follow wishes — they follow inflation, employment, and global economics. And while refinancing can absolutely make sense when conditions align, it isn’t a guaranteed life raft.
The Reality
Refinancing costs money — typically 2–5 percent of the loan amount in closing costs. You’ll need to qualify again under whatever credit standards exist at that time.
If property values dip or you bought near the top of your budget, your equity cushion could vanish, making it harder — or impossible — to refinance.
Even if rates do drop, you may not save as much as you think. For many St. Louis buyers, the break-even point after closing costs might take several years to reach. If you sell or move sooner, those “savings” never materialize.
The truth? “Refinance later” isn’t a plan — it’s a possibility.
What Smart Buyers Are Doing Instead
Savvy buyers today run the math for today’s rates, not tomorrow’s. They buy homes that fit both their lifestyle and their monthly comfort zone right now.
They’re also exploring creative (and responsible) tools — temporary rate buydowns, seller credits, or slightly smaller homes in prime locations — to make the numbers work without banking on future luck.
A home should be a decision built on stability, not speculation.
Buy because it makes sense for your life — not because you’re betting on what the Fed might do six months from now.
If rates drop later? Great. You’ll be in a strong position to take advantage of it.
If they don’t? You’ll still be living in a home that fits your world, not your wish list.
Ready to Buy Smart?
Let’s talk about your goals, your comfort zone, and the strategy that actually works in the real St. Louis market. I’ll help you cut through the noise, crunch the numbers, and make a move that makes sense — now and later.
About the Author:
Karen Moeller is a St. Louis–based REALTOR® with MORE, REALTORS®, known for her blend of insight, humor, and heart.
A Kirkwood local, data nerd and design enthusiast, she helps buyers and sellers make smart, confident moves across the metro area—always with a touch of humor and humanity.
Everywhere you look, there’s a new “AI-powered” home-value tool promising to tell you what your property is worth before you’ve even finished your morning coffee. Just type in your address and, like magic, you’ve got a number. It feels efficient, even futuristic.
But here’s the truth: those instant valuations might be sleek, but they’re often missing the very thing that makes real estate human — context.
The algorithms behind these estimates pull from public data, recent sales, and square footage, but they can’t sense the difference between updated and well-loved versus 1970s time capsule. They don’t know that the home across the street has an unfinished basement or that your block backs to a quiet park rather than a busy road.
They also can’t interpret the quirks that make the St. Louis market so unique. In neighborhoods like Kirkwood, Webster, and Maplewood, values can swing tens of thousands of dollars within just a few blocks. The architecture shifts, the school boundaries change, and buyer emotions—let’s be honest—don’t always follow spreadsheets.
Condition, timing, and presentation matter just as much as comps. A perfectly lit kitchen or fresh exterior paint can change perception in ways a formula will never grasp. The market also moves in micro-moments: what happened in Crestwood last week might not happen again this week.
Real estate pricing is part science, part strategy, and part intuition. That’s where human expertise comes in. A skilled agent doesn’t just read data—they interpret it. They understand buyer psychology, neighborhood rhythm, and what truly motivates offers.
That blend of analytics, empathy, and experience is what brings accuracy—and heart—to a valuation. It’s why “smart tech” can assist but not replace seasoned professionals who walk the streets, tour the homes, and listen to what buyers are really saying.
AI has its place, but it’s not the full story. In a market as textured and varied as St. Louis, experience still outperforms automation every time.
So before you let a computer tell you what your home is worth, talk to someone who knows the neighborhoods, studies the trends, and understands that your home’s story can’t be summed up in a single number.
Thinking About Selling?
Curious what your home would really sell for in today’s market?
Let’s dig deeper than the algorithm. I’ll combine the numbers, the narrative, and the nuance—so you can price with confidence, not guesswork.
About the Author:
Karen Moeller is a St. Louis–based REALTOR® with MORE, REALTORS®, known for her blend of insight, humor, and heart.
A Kirkwood local, data nerd and design enthusiast, she helps buyers and sellers make smart, confident moves across the metro area—always with a touch of humor and humanity.
When the air turns crisp and pumpkin-spice lattes make their annual comeback, another seasonal ritual quietly unfolds across St. Louis neighborhoods: the boundary dispute. Yes, October is the month when falling leaves, overhanging branches, and the great “whose tree is that?” debate takes center stage.
Why Fall Brings Out the Turf Wars
Blame it on the leaves—or the timing. As summer ends, more homeowners turn their attention outdoors, tackling gutters, fences, and yard cleanup. That’s when property lines get a little fuzzy. One neighbor trims the branches hanging over their fence; another rakes leaves from a tree technically rooted next door. Add in a shared fence in need of repair, and suddenly things feel less Norman Rockwell and more Hatfields and McCoys.
Missouri Law in a Nutshell (or an Acorn)
Here’s the gist under Missouri property law:
Tree ownership depends on where the trunk sits. If it’s on your side of the line, it’s your tree—even if the branches shade your neighbor’s yard.
Encroaching branches or roots can legally be trimmed back to the property line—but with care. If you harm the health of the tree, you could be liable for damages.
Shared fences usually fall under local ordinances. In places like Kirkwood or Webster Groves, both neighbors often share maintenance responsibility if the fence is right on the line.
When in doubt, a quick check with your local municipality’s Public Works or Building Department can save you a lot of awkward driveway conversations.
Keeping Peace Among the Pumpkins
A little communication goes a long way. Before you grab the trimmers, talk to your neighbor. Offer to split costs, share mulch, or make a Saturday cleanup a joint effort. It’s amazing how fast irritation fades when paired with apple-cider doughnuts.
If a dispute escalates, skip the drama and call in the pros—surveyors, mediators, or even your title company—before it turns into a legal thriller no one wants to star in.
In older St. Louis neighborhoods—think Kirkwood, Maplewood, University City—property lines can date back more than a century. That means what looks like yours may actually straddle a long-forgotten boundary. A modern survey is the best “fall cleanup” investment you can make, especially before selling or fencing.
The truth is, most neighbor disputes aren’t about land—they’re about respect. Understanding your rights (and keeping your cool) turns potential friction into friendly cooperation.
If you’ve driven through downtown Kirkwood lately, you’ve probably noticed the fencing, cranes, and construction buzz surrounding the historic Kirkwood Train Station. What looks like disruption is actually a once-in-a-generation investment … and one that’s likely to pay dividends for both the city and its homeowners.
🚆 From 1893 to 2026: A Legacy in Motion
Built in 1893, the Kirkwood Station has long been more than a train stop. It’s been a community landmark — a place where families greeted returning college kids, commuters caught the Amtrak to Chicago, and visitors got their first glimpse of Kirkwood’s small-town-with-soul charm. It’s also one of the busiest Amtrak stations in Missouri, serving roughly 40,000 passengers a year and staffed entirely by local volunteers.
After decades of heavy use and minimal modernization, the station is finally getting the TLC it deserves. The $5.6 million restoration project, launched in early 2025, includes:
A new slate and copper roof plus reconstructed cupola
Geothermal HVAC and updated fire suppression systems
ADA-compliant restrooms and accessibility upgrades
Restored woodwork, new windows, and doors
A rebuilt east-side covered platform and redesigned plaza
A temporary station opened for passengers on June 10, 2025, and completion is anticipated by June 2026, according to the Kirkwood Public Services Department.
💰 Why Renovation Matters for Real Estate
Public investment on this scale tends to ripple outward. Studies by the National Trust for Historic Preservation show that historic restoration often boosts nearby property values by 5–20 percent, largely because it improves neighborhood aesthetics and civic pride while drawing new foot traffic and businesses.
In Kirkwood, those benefits will be amplified by location: the station anchors a walkable downtown already prized for its boutiques, restaurants, and Saturday farmer’s market. Add a fully restored historic gateway, and the whole district gets a visual and emotional upgrade.
Buyers today are also drawn to walkability and connectivity. A renovated Amtrak stop within steps of cafes, schools, and City Hall enhances that “15-minute lifestyle” that younger buyers and empty-nesters alike crave. And for sellers, it’s proof that the city is actively reinvesting in its core — a major selling point for any listing nearby.
🧱 The Short-Term View: Dust and Detours
Of course, any project of this size comes with some temporary headaches. Parking near the station — including the lot by 4 Hands and Peacemaker — is closed through late fall 2025. Construction noise and downtown congestion may test local patience. But once completed, those same improvements will translate to smoother traffic flow, new public plazas, and an overall boost in curb appeal.
For homeowners planning to sell before construction wraps, there’s an opportunity to market “the before” — painting the picture of what’s coming. Highlight walkability, proximity to civic investment, and the promise of a revitalized streetscape. Buyers love a neighborhood with upward momentum.
🌟 A Signal of Confidence
Kirkwood’s station restoration isn’t just a facelift; it’s a signal of confidence. In a time when many cities defer maintenance, Kirkwood is doing the opposite — preserving its history while investing in its future.
That blend of tradition and progress is exactly what continues to make Kirkwood one of St. Louis County’s most desirable places to live — and what keeps its real estate market so remarkably resilient.
💬 Final Thought
Real estate isn’t just about square footage — it’s about story. And Kirkwood’s story just added a brand-new chapter.
📣 Local Expert Call to Action
As a Kirkwood resident and REALTOR® who calls this community home, I’ve seen firsthand how projects like this shape our market — and our sense of place. Whether you’re dreaming about a downtown condo with train-station charm or debating if now’s the time to list your Kirkwood home, I can help you make a move that feels as smart as it does personal.
Let’s talk about your goals and where they fit into Kirkwood’s next chapter.
As of October 30, 2025, St. Louis homebuyers are seeing a consistent upward trend in mortgage rates, with the 30-year fixed mortgage rate rising by 0.14% to reach 6.27%. This significant increase signals a shift in the St. Louis real estate market, where rates have consistently moved higher. The 15-year fixed rate also saw a rise, now at 5.82%, marking a 0.10% increase. These changes reflect broader economic trends impacting borrowing costs.
The implications for buyers and sellers in the St. Louis area are considerable. With higher mortgage rates, potential homebuyers may face increased monthly payments, prompting some to reconsider their purchasing power and timing. Sellers might experience a slowing market as buyers adjust to the new financial landscape. For those considering refinancing, the current rates may not be as favorable as earlier in the year.
For a detailed overview of how these rates compare historically, please consult the chart button below. This analysis is provided by MORE, REALTORS®, who continue to track and interpret the evolving mortgage landscape for the benefit of St. Louis residents. As rates continue to rise, staying informed is crucial for anyone involved in the housing market.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.27%
+0.14%
15 Yr. Fixed
5.82%
+0.10%
30 Yr. FHA
6.00%
+0.11%
30 Yr. Jumbo
6.20%
+0.05%
7/6 SOFR ARM
5.90%
+0.04%
30 Yr. VA
6.02%
+0.12%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 30, 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.
For weeks after the winds died down on May 16, 2025, the St. Louis tornado left more than just rooftops shattered and trees uprooted – it cracked open the hidden workings of our housing market.
Meet Denise Harris (name changed for privacy). She spent the afternoon of the storm standing in her Walnut Park living room as a brick chimney collapsed sideways, before walking out to the curb and watching three men in out-of-state plates stop by: “You ready to sell?” they asked.
For families like Denise’s, the trauma is immediate. But for the market, something else is happening: what experts call disaster gentrification. Investors, speculators, and out-of-state buyers are circling damaged properties and “heirs’ property” homes – often at deep discounts – while thousands of residents remain displaced.
Here’s what buyers and sellers in the St. Louis market need to understand, empowered by data and anchored in human experience.
What the Data & Reality Show
On May 16, 2025, a tornado with winds up to 152 mph struck parts of St. Louis, damaging roughly 5,000 structures and causing an estimated $1.6 billion in property damage.
A major disaster declaration was approved (DR-4876 for May 16) that unlocked federal funding for St. Louis and surrounding counties.
The city reports that the tornado impacted more than 10,000 buildings in some estimates.
The city’s tax collector postponed four scheduled real-estate tax sales in 2025 (about 1,264 parcels) to October 14 to give homeowners breathing room.
Legal complexity: Families inheriting property without wills (“heirs’ property”) often lack clear title, making them vulnerable to acquisition.
How This Plays Out on the Ground
Picture this:
A longtime homeowner, Ms. Harris, now lives in a motel paid for by relief, while her house sits tarp-covered and unoccupied. Her phone rings: “We’ll take it for 40% of market.” Meanwhile…
Across the street, a Midwest investor flips the property for a rent-to-own line as soon as the insurance claim settles.
In nearby blocks, heirs who lost a parent and now share ownership of a battered home argue over whether to sell – title isn’t clear, the family lacks funds for repair, and they’re hundreds of miles away.
These micro-stories are the new reality for many neighborhoods in north St. Louis.
That matters for buyers and sellers because the usual rules of “neighborhood fundamentals” are being bent by post-disaster dynamics.
What Buyers Should Know
Opportunity plus caution: Damaged homes may sell at steep discounts – especially those flagged “unsafe to occupy” or needing major repair. That’s a potential value play.
Additional risk: These properties often carry higher repair/insurance liabilities, possible demolition orders, cloudy title (especially heirs’ property), or unclear zoning/ownership status.
Neighborhood flux: With damage, delayed repairs, or investor acquisition, the composition of the neighborhood (owner-occupied vs. rental) may shift, affecting long-term stability.
Ethical investing counts: Buyers who come in with community interest (rehab, rent responsibly, keep ownership local) not only avoid reputational risk – they often unlock better value and goodwill.
What Sellers Should Know
Your timing is key: If you own in a storm-affected zone and are ready to move, you may be in a sweet spot of interest – buyers are scanning for these “hidden gem” properties.
Don’t undervalue your story: Your home isn’t just “damaged” – there’s value in its rebuild potential, your neighborhood’s strengths, and the community you’ve helped sustain.
Choose your buyer wisely: If an investor comes knocking, ask about their plan: Will they rehab for owner-occupants or rent short-term? Their intentions affect the next-door value and your legacy.
Leverage the delay: With the city postponing tax sales and relief programs in place, you can use the time to strengthen your position, document damage, clarify title, and present the best narrative.
What’s Shaping the Policy & Market Landscape
The state of Missouri advanced a relief bill of $100 million+ for disaster-aid in St. Louis; language includes emergency housing assistance & tax credits for deductibles.
The city’s collector warned of “predatory practices” targeting homeowners in tornado-affected zones.
Heirs’ property – without clear title – is particularly vulnerable to acquisition, especially when the heirs live out of state or cannot manage repairs themselves.
Tax-sale postponements slow one form of wholesale acquisition, but the playing field is still shifting fast.
Putting It All Together: Your Game Plan
For Buyers:
Leverage your agent to check title issues, heirs’ property status, insurance history, demolition/repair logs, and neighborhood rebuild plans.
Consider neighborhoods not just on current price but on post-disaster potential: access to transit, schools, parks, and local infrastructure matter now more than ever.
Bring patience and a long view – true flips may take longer in these zones; the risk is reward-dependent.
For Sellers:
Don’t let “damage” be your only story. Highlight your neighborhood’s underlying strengths: how long you lived there, what’s nearby, upgrade potential, etc.
Use the delay in tax sales and relief programs to your advantage: document everything, prepare your disclosures, and market smart.
Pick your buyer with an eye on legacy: someone who will rehab and own – rather than just rent-strip and flip – may send better ripples into your resale market.
Why This Matters for the St. Louis Market
In St. Louis, many of the neighborhoods hardest hit by the storm overlap with areas that have seen decades of disinvestment. That means the current moment is both precarious and full of possibility.
Precarious because longstanding homeowners have fewer buffers, heirs’ property issues abound, and the risk of displacement is real.
Full of possibility because ethical investment, community-centric rehab, and smart policy can reset the value proposition for neighborhoods – benefitting both buyers and sellers.
In short: If the last decade was about fixed-zip code assumptions, this one is about what happens after the storm. And you want a strategy aligned to that.
Bottom Line
This is not business as usual. The tornado didn’t just rip off shingles – it shifted the rules of engagement in some parts of St. Louis. Whether you’re buying or selling, you need context, clarity, and a realtor who knows the terrain.
That’s where I come in. I’m Karen Moeller with MORE, REALTORS® – I bring heart & hustle to every deal. If you’re wondering what this all means for your property, your next listing, or your investment plan in the St. Louis region – let’s talk.
Let’s turn disruption into opportunity – smart, ethical, and St. Louis style.
A pending bill in the Illinois Senate, HB3564, aims to limit rental fees and increase transparency, but it raises real concerns for landlords and property managers. While I’m fully in favor of transparency and clear disclosure of fees, this bill adds unnecessary restrictions that could reduce housing availability and create inequities in how different types of tenants are treated.
The bill would prohibit landlords from charging move-in fees on top of security deposits and would require that any non-optional fees be listed on the first page of the lease. It also limits background check fees to the **actual cost or $20, whichever is less**. That sounds good on the surface, but background checks often cost more than $20, especially if they’re comprehensive. On top of that, the structure penalizes certain tenant groups. For instance, a group of three unrelated adults could incur three background check fees, while a married couple with two kids might only require one or two checks. That’s not exactly fair or consistent, and it ends up making single renters or shared housing more expensive to process than traditional families.
In my view, landlords should be free to charge reasonable fees that reflect actual costs… as long as they clearly disclose them. Tenants are smart—if fees are too high or unreasonable, they’ll walk. But artificially limiting charges like background checks or move-in fees—especially when these are common in the industry—risks shrinking rental options and pushing landlords to increase rent instead to cover expenses. Agents and investors should keep a close eye on this bill, which could shift how leases are structured and how landlords recover costs going forward.
For the first time in decades, the city of St. Louis is rewriting its zoning playbook — and this change could quietly reshape how we live, build, and invest in the Gateway City.
This isn’t just bureaucratic shuffle. It might be a property-value accelerator in plain sight.
What’s Changing
In July 2025, the Board of Aldermen passed Board Bill 60 (BB 60), an ordinance effective September 29, 2025, which amends the Zoning Code to define, permit, and regulate accessory dwelling units (ADUs). Specifically, it allows both attached and detached ADUs by-right in all residential zones in the City — no special variance needed just to add a little rental unit or guest house.
Meanwhile, in February 2025 the city adopted the Strategic Land Use Plan (SLUP), which sets the block-by-block vision for future land-use, density, mixed-use, and housing flexibility in the City.
Together, BB 60 + the SLUP form the policy backbone of the city’s real estate pivot: more housing types, more flexibility, and more potential opportunity.
In practical terms: homeowners may soon have more flexibility to use their property the way life actually works today — whether that means multigenerational living, a home office with a separate entrance, a rentable backyard cottage, or a built-in investment hedge.
Why It Matters
For Sellers:
If your property sits on a lot large enough for an ADU or conversion, that’s an instant selling point. You can market: “ADU-eligible lot” rather than just “big backyard.” Buyers love future potential, especially when zoning supports it.
For Buyers:
ADUs open doors (literally and financially). You can offset your mortgage with rental income, build a private space for family members, or future-proof your home for aging-in-place — all while living in neighborhoods once constrained by single-family-only zoning.
For Investors:
This is your green light to re-imagine the St. Louis investment model. Small infill projects, cottage conversions, creative rehabs now have new legs. Investors who understand these zoning shifts ahead of the curve will be the ones buying tomorrow’s bargains today.
The Bigger Picture
St. Louis isn’t acting in isolation. Cities like Minneapolis, Portland, and Kansas City have already embraced more flexible zoning to address housing shortages. But the difference here? The City of St. Louis’s neighborhoods are filled with historic charm and large urban lots — making it a perfect match for the ADU trend if done thoughtfully. Additional context: the SLUP lays the foundation, and zoning reform (like BB 60) carries the action.
With inventory still tight and prices slowly creeping upward across the metro, the timing couldn’t be better. Supply relief and a potential value boost? That’s real-estate speak for “win–win.”
What Homeowners Should Do Now
Check your zoning. Use the City’s Planning & Urban Design Agency site to look up your property classification and lot dimensions to see if ADU is viable.
Talk to a pro. Before you add a unit or start dreaming about rental income, consult your REALTOR® and a local zoning/planning expert.
Think long-term value. Even if you’re not ready to build the ADU now, you can note “ADU-eligible” in your future listing — it becomes a hook for buyers.
Stay tuned. The zoning code overhaul (via ZOUP) is ongoing, and new draft maps are expected in the next 12–18 months under the SLUP’s implementation framework.
The Bottom Line
The next wave of real-estate opportunity in St. Louis may not come from the newest subdivision — but from backyards and garages of homes already here.
For homeowners: it’s a chance to rethink space.
For investors: a reason to re-run the math.
And for the city? Maybe, just maybe, a new chapter in keeping St. Louis’s historic neighborhoods alive, adaptable, and full of possibility.
As October 2025 progresses, the St. Louis mortgage market is experiencing mixed movements in interest rates, offering both opportunities and challenges for potential homebuyers and current homeowners. The 30-year fixed-rate mortgage remains stable at 6.17%, maintaining its position at a moderate level above 6%. Meanwhile, the 15-year fixed-rate mortgage saw a slight decrease, dipping by 0.02% to stand at 5.73%. These subtle shifts highlight a market in flux, where buyers can still find favorable conditions depending on their financial strategy.
For St. Louis buyers, the unchanged 30-year fixed rate presents an opportunity to lock in a long-term mortgage at a stable rate. Conversely, the slight decrease in the 15-year fixed rate may attract those looking to pay off their mortgage faster with potentially lower overall interest costs. Sellers in the area might find that the mixed-rate environment keeps buyer interest steady, as financing conditions remain relatively accessible. Prospective buyers and sellers can explore historical rate trends by clicking the chart button below, offering a comprehensive view of market movements over time.
The rate changes are brought to you by MORE, REALTORS®, a trusted source for local real estate insights. As buyers navigate the current landscape of St. Louis mortgage rates, staying informed about these fluctuations ensures they can make the most strategic decisions for their financial future.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.17%
+0.00%
15 Yr. Fixed
5.73%
-0.02%
30 Yr. FHA
5.90%
+0.00%
30 Yr. Jumbo
6.10%
-0.05%
7/6 SOFR ARM
5.71%
+0.01%
30 Yr. VA
5.91%
-0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 23, 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.
Good news for Missouri home sellers and real estate agents. On Monday (October 20th), the U.S. Supreme Court refused to hear a long-running lawsuit that could have changed how listings are marketed. The lawsuit, filed by a Columbia, Missouri-based home designer, claimed that a real estate brokerage broke copyright law by posting a floorplan online to help sell a home. After years of back and forth, the courts decided that using a floorplan in this way is legal under the “fair use” rule. That decision now stands for good.
So what does this mean for you? If you’re selling your home, your agent can still create and post floorplans to help market the property, even if the home’s layout is based on a copyrighted design. The court ruled that showing the interior layout helps buyers understand what they’re getting and doesn’t replace or harm the original design’s market value. In short, using a floorplan to sell a home isn’t stealing someone’s design… it’s just part of selling the home. This ruling protects a common and useful tool for listing homes, especially when today’s buyers expect as much info as possible upfront.
Note: This decision came out of a Missouri case, but it now has implications nationwide, as the Supreme Court let it stand without changes.
The St. Louis metropolitan area is witnessing a dynamic real estate market, with certain zip codes standing out for their rapid home sales. Leading the pack is zip code 63119 in St. Louis, MO, where homes are flying off the market in an average of just 4 days. With 55 active listings, this area boasts an average list price of $488,575, making it a hot spot for both buyers and sellers looking to make swift transactions. The appeal of 63119 lies in its vibrant community and convenient location, attracting families and professionals alike.
In Illinois, the pace is brisk in zip codes 62204 and 62087. In 62204, located in St. Clair County, homes are selling in an average of 15 days, while 62087 in Madison County sees properties moving in about 25 days. Both areas offer a range of housing options that cater to various family needs and lifestyle preferences. For those interested in exploring more about these fast-selling regions, including a comprehensive list of the top-performing zip codes, MORE, REALTORS® provides a detailed analysis at the end of this article. Whether you’re buying or selling, understanding these trends can help you make informed decisions in the competitive St. Louis real estate market.
The St. Louis City real estate market continues to show dynamic changes as of October 2025. Homes sold for a median price of $245,000 in September 2025, marking an impressive 11.36% increase from the median price of $220,000 in September 2024. This upward trend also reflects a 4.26% rise from August 2025, when the median sold price was $235,000.
Interestingly, while the median sold price has increased, the median list price in September 2025 was $220,000, down 4.35% from $230,000 in September 2024. Additionally, the number of home sales in St. Louis City decreased by 9.93%, with 245 homes sold in September 2025 compared to 272 in the same month last year.
The chart below, exclusively available from MORE, REALTORS®, provides a detailed visual representation of these trends, highlighting the evolving dynamics of the St. Louis City real estate market. For those interested in the St. Louis real estate market or looking to connect with expert realtors, MORE, REALTORS® remains a valuable resource.
The Franklin County real estate market continues to show dynamic changes as of October 2025. Homes sold for a median price of $267,000 in September 2025, marking an 8.54% increase from the median price of $246,000 in September 2024. However, this represents an 8.87% decrease from the previous month’s median of $293,000 in August 2025. The median list price for September 2025 was $295,000, which is an 11.45% rise compared to $264,703 in September 2024.
Home sales in the county saw a significant boost, with 117 homes sold in September 2025, a substantial 34.48% increase from the 87 homes sold in the same month last year. For a detailed visual representation of these trends, refer to the chart below, exclusively available from MORE, REALTORS®. This data highlights the evolving real estate landscape in Franklin County, providing valuable insights for prospective buyers and sellers in the St. Louis, MO area.
The St. Louis County real estate market continues to show robust growth as of October 2025. In September 2025, homes sold for a median price of $295,000, marking a significant increase of 9.26% from September 2024, when the median price was $270,000. This upward trend also reflects a 1.72% rise from August 2025, where the median sold price was $290,000.
Interestingly, while the median sold price has climbed, the median list price has seen a decline. In September 2025, the median list price was recorded at $235,000, a decrease of 14.55% compared to $275,000 in September 2024. Despite this drop in list prices, the market remains active, with 1,115 homes sold in September 2025, a 1.46% increase from the 1,099 homes sold in September 2024.
For a detailed visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data highlights the dynamic nature of the St. Louis County real estate market and provides valuable insights for potential buyers and sellers.
In a positive shift for the St. Louis real estate market, mortgage rates have continued their downward trend, offering some relief to prospective homebuyers. As of mid-October 2025, the 30-year fixed mortgage rate has decreased to 6.27%, dropping by 0.04%. The 15-year fixed rate has also seen a slight reduction, now standing at 5.82%. This consistent decline across various loan types, including FHA, Jumbo, and VA loans, indicates a broader easing in borrowing costs.
For St. Louis buyers and sellers, these rate reductions could signal a more favorable environment for purchasing and refinancing. Lower rates can enhance affordability, potentially boosting demand in the housing market. Sellers might experience increased interest from buyers eager to lock in these rates before any potential future hikes. Buyers currently navigating the market may find it advantageous to act swiftly as these rates provide a more accessible entry point.
For a detailed look at historical rates and trends, interested parties are encouraged to click the chart button below. This data and analysis are brought to you by MORE, REALTORS®, providing you with up-to-date insights into the St. Louis mortgage landscape.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.27%
-0.04%
15 Yr. Fixed
5.82%
-0.01%
30 Yr. FHA
6.00%
-0.03%
30 Yr. Jumbo
6.20%
-0.02%
7/6 SOFR ARM
5.71%
-0.01%
30 Yr. VA
6.02%
-0.03%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 16, 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 Jefferson County real estate market has shown notable activity as of October 2025. In September 2025, homes in the area sold for a median price of $290,000. This marks a 5.96% increase from September 2024, when the median sold price was $273,700. However, this also reflects a slight decrease of 3.33% from August 2025, when the median price was $300,000. Additionally, the median list price in September 2025 was $280,000, a 3.74% rise from $269,900 in the previous year.
The county saw a total of 241 home sales in September 2025, which is a 9.55% increase from the 220 home sales recorded in September 2024. These figures illustrate a dynamic market in Jefferson County, with a steady increase in both sale prices and activity over the past year.
For a visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data provides valuable insights for those interested in the St. Louis, MO real estate market and underscores the expertise of MORE, REALTORS® in navigating these changes.
Missouri Insurance Department halts cancellations for storm-damaged homes
If your Missouri home was damaged in the spring 2025 storms and you’re still working through repairs, your insurer cannot cancel or non-renew your policy because of the storm damage or related claims. In a new directive, DCI ordered companies to keep coverage in force for storm-affected residential properties statewide for weather losses occurring after March 1, 2025. The department also told insurers to reverse any cancellations or non-renewals already sent out for this reason. Normal exceptions still apply, such as cancellations for non-payment and properties that weren’t damaged. The bulletin notes this is not a permanent moratorium, and encourages homeowners to complete repairs as quickly as possible. The full DCI bulletin appears below this article for your reference.
For help navigating a claim or policy question, you can contact DCI’s Consumer Hotline at 800-726-7390, email news@dci.mo.gov, or visit insurance.mo.gov. Also, if you want a practical, St. Louis-based perspective on coverage and claims, I recommend Lou Darden with Kreismann-Bayer Insurance Agency…he’s a trusted real estate broker, my personal friend, and my go-to insurance guy, with helpful interviews and contact info at the link above.
In the bustling St. Louis metropolitan area, finding a home in a top-performing school district can be a competitive endeavor. Currently leading the charge is the Wood River-Hartford DIST 15 in Illinois, where homes are being snapped up in an average of just 18 days. With seven active listings, the average list price stands at an attractive $117,814, making it a hotspot for families looking to settle quickly in a vibrant community.
Not far behind, the Bayless district in Unincorporated, Missouri, boasts 15 listings with homes averaging 25 days on the market. Meanwhile, BUNKER HILL DIST 8 in Illinois rounds out the top three, with properties selling in about 28 days on average. These statistics highlight the dynamic nature of the St. Louis real estate market and the appeal of these districts to prospective buyers. For those interested in exploring more about the fastest selling school districts, a comprehensive list is available through MORE, REALTORS®. Whether you’re buying or selling, understanding these market trends can provide a strategic advantage in your real estate journey.
St. Louis homebuyers received a bit of good news this October 2025, as mortgage rates have seen a slight decline. The 30-year fixed mortgage rate has fallen to 6.32%, marking a decrease of 0.06% from previous levels. Similarly, the 15-year fixed rate has dropped to 5.84%, down by 0.04%. This trend of falling rates extends across various mortgage products, including the 30-year FHA rate at 6.03% and the 30-year Jumbo rate at 6.25%. Adjustable rates, such as the 7/6 SOFR ARM, also saw a decrease, now sitting at 5.82%.
For potential homebuyers in the St. Louis area, these changes could present a more favorable environment for securing a mortgage. Lower rates mean reduced monthly payments, which can significantly impact affordability and buying power. Sellers, on the other hand, might see an increase in buyer interest as the cost of financing a home becomes slightly more attractive. This shift in rates could stimulate activity in the local housing market, encouraging both buyers and sellers to act now while rates are on a downward trend.
To explore how these rates compare historically, check out the chart button below for detailed insights. These updates, provided by MORE, REALTORS®, offer a comprehensive look into the current mortgage landscape, helping you make informed decisions in the St. Louis real estate market. Whether you’re buying or selling, staying informed about ‘St Louis mortgage rates’ and ‘current mortgage rates’ can help you navigate your real estate journey with confidence.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.32%
-0.06%
15 Yr. Fixed
5.84%
-0.04%
30 Yr. FHA
6.03%
-0.02%
30 Yr. Jumbo
6.25%
-0.04%
7/6 SOFR ARM
5.82%
-0.03%
30 Yr. VA
6.04%
-0.03%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 12, 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.
As of October 9, 2025, the St. Louis real estate market is witnessing a favorable shift for potential homebuyers, with mortgage rates trending downward across the board. The 30-year fixed mortgage rate has dipped slightly to 6.36%, reflecting a modest decrease of 0.02% from the previous week. Meanwhile, the 15-year fixed rate has seen a more noticeable drop of 0.03%, bringing it down to 5.87%. This decline in rates is mirrored in other loan types, including the 30-year FHA and Jumbo loans, as well as the 7/6 SOFR adjustable-rate mortgages.
For buyers and sellers in the St. Louis area, these declining rates present a timely opportunity. Homebuyers can potentially secure more favorable loan conditions, thus lowering monthly payments and increasing affordability. Sellers, on the other hand, might see increased interest from buyers who are eager to take advantage of these lower rates. Such market dynamics can lead to a more competitive environment, benefiting both parties involved.
For those interested in exploring historical mortgage trends, the chart button below provides comprehensive data on past rate fluctuations. This information, provided by MORE, REALTORS®, is essential for anyone looking to make informed decisions in the current real estate landscape. As the market continues to evolve, staying informed about current mortgage rates and trends in the St. Louis area remains crucial for both buyers and sellers.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.36%
-0.02%
15 Yr. Fixed
5.87%
-0.03%
30 Yr. FHA
6.05%
-0.03%
30 Yr. Jumbo
6.28%
-0.01%
7/6 SOFR ARM
5.83%
-0.02%
30 Yr. VA
6.08%
-0.02%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 9, 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 Metro East real estate market has shown significant growth as of October 2025, with home prices and sales volume both on the rise. In September 2025, homes sold for a median price of $215,000, marking a 7.47% increase from September 2024, when the median price was $200,050. This upward trend continued from August 2025, with a 4.88% increase from the previous month’s median price of $205,000.
The median list price in September 2025 was $219,000, up 8.42% from $202,000 in September 2024. Additionally, the region saw 677 home sales, an 11.35% rise from 608 sales in September 2024. These statistics, illustrated in the chart below, highlight the robust growth of the Metro East real estate market. The chart is available exclusively from MORE, REALTORS®, your trusted source for comprehensive real estate data in St. Louis, MO.
The St. Charles County real estate market has shown a slight upward trend in home prices as of September 2025. Homes sold for a median price of $355,000, marking a 1.43% increase from the median price of $350,000 in September 2024. However, this also represents a 1.39% decrease compared to August 2025, when the median sold price was $360,000. The median list price for homes was $353,769, reflecting a 2.54% rise from $345,000 in September 2024.
In terms of sales volume, there were 453 home sales in September 2025, which is a 3.00% decline from the 467 homes sold in September 2024. These statistics are part of a comprehensive analysis illustrated in the chart below, available exclusively from MORE, REALTORS®. This data provides valuable insights for those interested in the St. Louis, MO real estate market and highlights the ongoing trends affecting both buyers and sellers in the area.
Solar panels are becoming an increasingly common feature in homes, but according to the 2025 REALTORS® Residential Sustainability Report, they may not always be a clear selling point. Nearly half of REALTORS® said they believe having solar panels makes it more difficult to sell a home. For buyers and sellers in the St. Louis Metro area, where energy costs and resale value are major considerations, this is an important insight to be aware of.
Adding to the uncertainty is how solar impacts the transaction itself. The top two challenges REALTORS® reported in dealing with sustainable properties were understanding how solar panels impact a transaction and how to properly value them. That means buyers may face complications in financing or insuring homes with panels, and sellers may not get the full return they expect. With these concerns, it’s no surprise that confusion around solar is a sticking point in today’s real estate conversations.
Still, solar isn’t all negative. Over half of REALTORS® said they are at least somewhat knowledgeable about solar panels and renewable systems. That growing awareness could pave the way for smoother, more informed transactions in the future. If you’re considering buying or selling a solar-equipped home in the St. Louis area, it’s essential to work with someone who understands the nuances involved. The full report from the National Association of REALTORS® is available below for those who want to dig deeper.
REALTORS Residential Sustainability Report 2025 – Perceived Selling Difficulty of Homes with Solar Panels (Chart)
The St. Louis Metropolitan Statistical Area (MSA) real estate market continues to show robust activity as of October 2025. Homes sold for a median price of $283,000 in September 2025, marking a 4.81% increase from the median price of $270,000 in September 2024. However, this represents a slight decrease of 0.70% compared to August 2025, when the median sold price was $285,000. The median list price in September 2025 was $285,000, a significant increase of 7.55% from $265,000 in the same month last year.
Sales activity has also picked up, with 3,041 homes sold in September 2025, an increase of 4.97% from the 2,897 homes sold in September 2024. This data indicates a healthy demand for homes in the region. 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 anyone interested in the St. Louis real estate market, whether buying, selling, or investing.
As of October 2, 2025, the St. Louis real estate market is experiencing a varied trend in mortgage rates, providing both opportunities and challenges for homebuyers and sellers. The 30-year fixed mortgage rate remains unchanged at 6.37%, maintaining a moderate level above the 6% threshold. Meanwhile, the 15-year fixed rate has seen a slight decrease, now at 5.88%, down by 0.01%. This shift suggests a potential opportunity for those considering shorter-term financing options.
The market’s mixed movement is also reflected in other mortgage categories. The 30-year jumbo rate has decreased to 6.27%, offering relief for buyers looking at higher-priced properties. Conversely, the 30-year FHA rate has increased slightly to 6.05%. The adjustable rate mortgage (7/6 SOFR ARM) has decreased to 5.78%, potentially attracting buyers interested in lower initial rates. These fluctuations highlight the importance of staying informed on current mortgage trends to make savvy financial decisions.
For St. Louis area buyers, these rate changes present a dynamic landscape. Those considering a 15-year loan may find the lower rates particularly appealing, while jumbo loan seekers can benefit from the reduced rates. Sellers might also find these conditions favorable as they can attract a diverse pool of buyers with varying financing needs. For a detailed view of historical rates, the chart button below provides comprehensive insights. This information is brought to you by MORE, REALTORS®, ensuring you have the latest data to navigate the St. Louis real estate market effectively.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.37%
+0.00%
15 Yr. Fixed
5.88%
-0.01%
30 Yr. FHA
6.05%
+0.00%
30 Yr. Jumbo
6.27%
-0.01%
7/6 SOFR ARM
5.78%
-0.04%
30 Yr. VA
6.06%
-0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of October 2, 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.
On October 1, 2025, the U.S. federal government officially shut down after lawmakers failed to reach a deal to fund operations. The shutdown affects a wide range of federal agencies and services, many of which are relevant to the residential real estate market. One immediate impact is the lapse in authority for the National Flood Insurance Program (NFIP), which prevents new or renewed flood insurance policies from being issued. This directly affects home closings in flood zones, including parts of the St. Louis region where flood insurance is mandatory for federally backed loans.
While Fannie Mae and Freddie Mac continue operating because they are not dependent on annual appropriations, other parts of the mortgage process are already seeing slowdowns. IRS income transcript services, used by lenders for verification, may be delayed or unavailable. FHA and VA loans, which are used in many first-time buyer transactions, may also be delayed due to limited staffing at those agencies. If the shutdown drags on, the cumulative effect could cause delays in closings, increased buyer uncertainty, and a slowdown in overall transaction volume, particularly in markets like St. Louis where FHA and VA loans represent a significant share of activity.
If the shutdown is short, the damage may be minimal. But if it continues, homebuyers, sellers, lenders, and agents in St. Louis could be dealing with real consequences, from delayed deals to dropped contracts, in the weeks ahead.
FTC Lawsuit Alleges Zillow-Redfin Deal Stifles Competition and Hurts Renters
In what could be a major shake-up for the rental housing market, the Federal Trade Commission (FTC) has filed a lawsuit against Zillow and Redfin, claiming the two companies struck an illegal agreement that essentially kills off competition in the online rental advertising space. According to the FTC, Zillow paid Redfin $100 million earlier this year to abandon its multifamily rental advertising business, hand over key customer data, and even help Zillow poach Redfin employees. The result? Redfin stopped selling rental ads and now only displays Zillow’s listings on its sites, like Rent.com and ApartmentGuide.com. That means fewer choices and potentially higher costs for both landlords and renters.
For renters, this could mean fewer places to browse for listings, fewer deals, and less innovation on the platforms they use every day. For landlords and property managers, it means one less major player competing for their ad dollars — and less competition often leads to higher prices and fewer features. Agents who work in leasing or investor sales may also feel the impact, especially if they’ve relied on Redfin’s tools to market multifamily properties. The FTC argues that this move gives Zillow too much power in a market already dominated by just a few players and violates both the Sherman and Clayton Acts.
The implications are big, especially in markets like St. Louis, where multifamily rentals play a vital role in the local housing economy. The FTC wants the court to unwind the deal and restore competition. Until then, it’s a case worth watching — whether you’re a renter trying to find your next home, an investor marketing a property, or an agent trying to help your clients navigate a shifting digital landscape.
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