After 38 years in real estate, I’ve seen the same pattern again and again: vacant homes don’t just look empty—they feel empty. And they don’t sell as well.
When buyers scroll through listings online, they’re not just looking for square footage or appliance brands—they’re looking for a feeling. They want to imagine their life in the space. And that’s nearly impossible when a home is empty, stark, and echoing.
Without furniture, every flaw screams louder. Wall dings, floor scratches, awkward corners—they stand out because there’s nothing else to catch the eye. There’s no warmth, no sense of scale, and no emotional pull.
Compare that to a staged home. I’m not talking about virtual staging or placing some grainy computer-generated couch into a photo. I’m talking about real, professional staging. Rooms that look like something out of a magazine—inviting, organized, and aspirational. Buyers lean into those photos. They feel hopeful, even if they don’t own that style of furniture or even like the color palette. They’re not buying the décor—they’re buying the feeling it gives them.
One of the most important yet overlooked reasons for staging is perspective. Without furniture, buyers have a hard time visualizing how big a room is or where a bed or sofa would go. That uncertainty breeds hesitation—and hesitation kills offers.
I don’t need a statistic to tell you staged homes sell faster and for more money. I’ve seen it firsthand—over and over again. And here’s a truth you can bank on: the cost of professional staging will be less than your first price reduction. Every time.
So if your house is sitting vacant, think twice before assuming it “shows fine.” It doesn’t.
Let me help you create a space buyers want to walk through. Because the goal isn’t just to list your home. The goal is to sell it—and sell it well.
Below are real examples from a recent listing to show how much of a difference real staging makes:
Dining Room BEFORE
Dining Room AFTER
Living Room BEFORE
Living Room AFTER
Below is the newly released 2025 Profile of Home Staging from the National Association of REALTORS® which does an excellent job of showing the benefits of staging and backing it up with recent data:
The St. Louis County real estate market displayed mixed signals in April 2025, with home prices continuing to climb even as sales volumes decreased. According to the latest data, the median sold price for homes in St. Louis County reached $285,000, marking a 7.55% increase from April 2024’s median of $265,000. This price also shows a growth of 3.64% compared to March 2025, where the median was $275,000. Meanwhile, the median list price saw a rise to $275,000, up by 7.86% from the previous year.
However, the number of home sales tells a different story. April 2025 saw 811 homes sold in St. Louis County, reflecting an 11.85% decrease from the 920 sales recorded in April 2024. This downturn suggests a tightening market where fewer homes are changing hands despite rising prices.
For a detailed visual representation, refer to the chart below, which illustrates these trends. This chart is available exclusively from MORE, REALTORS®, providing critical insights into the St. Louis County real estate market as of May 2025. Whether you’re considering buying or selling in St. Louis, staying informed with the latest data is crucial. For more updates and expert advice, connect with MORE, REALTORS®, your trusted source for real estate information in the region.
The St. Louis metropolitan area, encompassing counties in both Missouri and Illinois, has experienced a shift in its real estate market dynamics as of April 2025. This year, the region recorded a total of 7,926 homes sold, marking an 8.59% decrease compared to the 8,671 homes sold during the same period in the previous year. This change reflects various factors influencing the local market, providing potential home buyers and sellers with critical insights into current trends.
Despite the year-over-year dip, the St. Louis real estate market continues to offer diverse opportunities for both buyers and sellers. For those interested in areas with particularly fast-moving properties, MORE, REALTORS® has compiled a complete list of the fastest selling zip codes, available at the conclusion of this article. This information can be invaluable for making informed decisions in a market that, while experiencing a slight slowdown, still presents significant activity and potential for investment.
The Federal Reserve’s latest note on real estate commissions adds some national context to trends we’ve seen unfold in St. Louis for decades. While their report shows a national decline in buyer agent commissions from 3% in the late 1990s to around 2.7% in 2022, our local data shows this shift started much earlier and ran a bit deeper here.
In the St. Louis metro area, the median commission paid to buyer’s agents has been on a steady decline since peaking near 3% back in the early 2000s. By 2023, it had dropped to about 2.59%, just before MLS rules changed in 2024 due to the NAR settlement, which removed the ability to display commission offers in MLS listings. As a result, our local data stops in early 2024—but the trend was clear. Now, based on what we’re seeing in the field, it looks like the typical buyer agent commission in St. Louis is holding steady around 2.5%. Interestingly, listing commissions may have actually ticked up a bit, with many sellers now paying closer to 3% to their agent.
This slight shift in the traditional commission split appears to be one of several business model adaptations happening in real-time. With the settlement’s decoupling of commissions—where buyers and sellers now negotiate separately—some sellers are choosing not to pay a buyer’s agent at all. But more often, we’re seeing sellers still offer something to encourage buyer interest, just outside of the MLS.
One takeaway from the Fed’s report that especially resonates here is the importance of local norms. Despite all the change, commissions in St. Louis haven’t collapsed. Why? Because sellers still want their homes to be shown, and buyers still want professional representation. And with local practices like split closings already making things more complex, there’s still real value in having experienced agents on both sides of a deal.
If you’re interested in seeing how buyer agent commission rates have changed in St. Louis over time, check out the live interactive chart below showing annual median rates from 1998 through 2024.
As always, at MORE, REALTORS®, we’ll be watching closely to see how this plays out in the coming months and years.
The Jefferson County real estate market witnessed a notable increase in home prices during April 2025. Homes sold for a median price of $285,000, marking a 7.26% rise from April 2024 when the median sold price was $265,700. This price also represents a significant 11.76% increase compared to March 2025, where the median sold price stood at $255,000. The median list price followed suit, reaching $279,900, which is a 6.62% increase from the previous year’s $262,527.
However, despite the rising prices, the number of home sales experienced a downturn. There were 187 home sales in April 2025, showing a decrease of 15.77% from the 222 sales recorded in April 2024. This shift indicates a tightening market where demand continues to drive up home values.
For a detailed visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This chart provides an insightful look into the evolving dynamics of the Jefferson County real estate market, making it an essential tool for potential buyers, sellers, and investors. As always, for more information and expert guidance on navigating this market, consider consulting with a professional from MORE, REALTORS®, who are well-versed in the nuances of the St. Louis, MO real estate landscape.
As of May 2025, the St. Louis real estate market is experiencing shifts in mortgage rates that are essential for both potential home buyers and current homeowners considering selling. The 30-Year Fixed Rate has seen a slight increase to 6.99%, a change of +0.07% from previous figures. Similarly, the 15-Year Fixed Rate has risen to 6.34%, marking an increase of +0.08%. These adjustments might influence buyer affordability and seller market timing in the region.
For those looking into larger, more expensive properties, the 30-Year Jumbo Rate stands at 7.10%, while the more accessible FHA loans are available at a rate of 6.44%. Additionally, the Adjustable Rate (7/6 SOFR ARM) is currently at 6.63%, offering an alternative for those seeking potentially lower rates initially compared to fixed-rate mortgages. Each of these rates plays a crucial role in shaping the buying and selling strategies in the St. Louis market.
For a detailed understanding of how these rates compare historically, please click the chart button below. This information, provided by MORE, REALTORS®, offers a comprehensive view of current and past mortgage rates, helping you make informed decisions in the St. Louis real estate market. Whether you are looking to buy a new home or considering selling your property, staying updated on these rates is crucial in navigating the real estate landscape effectively.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.99%
+0.07%
15 Yr. Fixed
6.34%
+0.08%
30 Yr. FHA
6.44%
+0.11%
30 Yr. Jumbo
7.10%
+0.06%
7/6 SOFR ARM
6.63%
+0.06%
30 Yr. VA
6.45%
+0.10%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of May 15, 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.
According to ATTOM’s just-released April 2025 U.S. Foreclosure Market Report, foreclosure activity across the U.S. continues to rise gradually. A total of 36,033 properties had a foreclosure filing last month, which includes default notices, scheduled auctions, or bank repossessions. This marks a 0.4% increase from March and a 13.9% jump from April 2024. Rob Barber, CEO of ATTOM, commented that while foreclosure volume is still below historical norms, “the year-over-year increases may suggest that some homeowners are beginning to feel the effects of persistent economic pressures.”
In the Midwest, Illinois stood out with one of the highest foreclosure rates in the nation—one in every 2,405 housing units—while Chicago led major metros with 220 completed foreclosures. Although Missouri wasn’t highlighted individually in ATTOM’s release, local data compiled by MORE, REALTORS® paints a revealing picture. Our exclusive STL Market Chart below shows the number of distressed home sales (including foreclosures, REOs, short sales, etc.) across the St. Louis MSA over the past 15 years. While there has been a modest uptick recently, the green line on the chart illustrates that current levels remain dramatically below the peaks seen in the aftermath of the 2008 housing crisis. Back in 2010, over 10,000 distressed sales occurred in a single year. Today, we’re seeing fewer than 500.
This is encouraging news, but also a reminder that opportunities and challenges still exist. For homeowners struggling with mortgage payments or facing foreclosure, MORE, REALTORS® can help you explore options like selling before foreclosure, lease-back solutions, or short sales. For buyers, we can help you identify and pursue distressed properties in a smart, informed way.
Whether you’re looking to avoid foreclosure or take advantage of foreclosure-related buying opportunities, we’re here to help you make informed, strategic decisions in today’s market.
St Louis MSA Foreclosures (Distressed Sales) Past 15 Years – Chart
If you’re buying or selling a home in 2025, there’s a hidden threat you need to be aware of: wire fraud. According to the newly released State of Wire Fraud 2025 report by CertifID, 1 in 4 consumers reported receiving suspicious or fraudulent communication during their real estate transaction—and nearly 1 in 20 fell victim.
In 2024 alone, these scams resulted in nearly $500 million in losses. The method? Criminals impersonate trusted figures in the transaction—with real estate agents being the top target, mentioned by 58% of victims. Title agents were next at 41%, followed by loan officers at 34%.
And this isn’t just an issue for less tech-savvy consumers. First-time buyers and sellers were three times more likely to be victimized. Given the complexity and urgency around closing, particularly when wiring large sums of money, it’s easy to see how even cautious consumers can be fooled.
What’s more concerning is how few people know this is happening. Over half of those surveyed said they were either “not aware” or only “somewhat aware” of the risks. And just 49% said their real estate professional provided education on wire fraud.
To understand the stakes, consider this: a West Virginia buyer lost $112,000 to a fraudster posing as her closing agent. As she put it, “The way the person did it – it was really, really good.” These are not amateur scams. They’re often AI-powered and timed perfectly. Only 73% of victims recovered most or all of their funds. The remaining 27% lost half or more—some lost everything.
So who’s responsible for stopping this? Consumers are divided. About 30% say it’s on their real estate agent. Another 30% point to their bank, and the rest believe their title company or attorney should handle it. But in reality, no single party owns the responsibility outright—and that’s a key vulnerability.
That’s why proactive education and tools are critical. Unfortunately, many only hear about wire fraud halfway through the process, or worse, right before closing—too late. Scammers are usually already in the inbox by then.
Key stats from CertifID’s 2024 findings include:
Median buyer loss: $68,413
Average seller loss: $172,080
Mortgage payoff fraud: $275,927 on average
While technology alone isn’t the answer, it helps when used correctly. CertifID flagged $1.32 billion in high-risk transfers and helped protect over 913,000 transactions in 2024.
If you’re involved in a real estate transaction, here’s what you can do:
Assume emails or texts can be spoofed. Don’t trust last-minute wiring instructions without verbal confirmation.
Call to confirm using a trusted number—never reply directly to a suspicious message.
Ask your agent and title company how they protect your transaction from wire fraud.
For buyers and sellers in the St. Louis market, M&I Title Companystands out as a trusted resource. They serve both Missouri and Illinois and use CertifID on every transaction to guard against wire fraud. In a region where split closings are the norm, working with a title company that prioritizes consumer safety is essential:contentReference[oaicite:0]{index=0}.
And of course, working with experienced professionals makes a difference. The seasoned agents at MORE, REALTORS® are knowledgeable, proactive, and committed to protecting your best interest throughout the process.
In today’s environment, it’s not enough to just show up to closing—you need to show up informed. Ask questions early, verify everything, and choose professionals who prioritize your safety. Wire fraud can happen fast, but with the right team and precautions, it doesn’t have to happen to you.
📘 Access the full 2025 State of Wire Fraud Report by CertifID below:
Let’s talk about one of the most misunderstood (and unfairly maligned) tags in real estate: Back on Market — aka BOM. For many buyers, seeing those three letters on a listing triggers a knee-jerk reaction:
“Yikes. What’s wrong with it?”
Totally fair question. But let me be your real estate decoder ring for a minute: a BOM home isn’t necessarily damaged goods. In fact, it might be the best house you haven’t seriously considered — yet.
What Does “Back on Market” Actually Mean?
All it means is this: the house was under contract with a buyer, and now it’s back in play. That’s it. It does not automatically mean there’s a crack in the foundation the size of the Mississippi, nor is it haunted by the ghost of contracts past. Sometimes, it’s just… life.
Common Reasons a Home Comes BOM:
Financing fell through
Inspection negotiations went sideways
The buyer bailed (cold feet, hot mess)
Home sale contingency collapsed
Let’s unpack these like the emotional baggage they sometimes are.
Financing Fumbles
Sometimes buyers get pre-approved and then make a few classic mistakes — like quitting their job, financing a car, or opening a store credit card to buy a couch for the home they don’t actually own yet. Lenders don’t love that.
Bottom line: when financing flops, it’s about the buyer’s wallet, not the house’s condition. The home itself? Still worth a look.
Inspection Drama
This one’s a little trickier, but not always catastrophic. Yes, some inspections reveal legitimate issues. But others? They read more like a grocery list of minor fixes. A leaky faucet. A loose doorknob. A GFCI outlet that works but not exactly how it should.
A good agent (👋 hi, that’s me) can walk you through what’s legit, what’s negotiable, and what’s just cold feet dressed up as contractor quotes.
Contingency Chaos
Sometimes a buyer’s offer is tied to the sale of their current home. And if that deal tanks? So does this one. It’s a domino effect — and the seller ends up right back where they started.
Again, it’s not about the house — just a case of wrong buyer, wrong time.
Cold Feet Syndrome
Buying a home is a big emotional leap. And some buyers… well, they just can’t do it. They get skittish. Grandma chimes in. Mercury goes retrograde. And poof — they’re out.
But here’s the good news: their indecision might just be your opportunity.
How Buyers Can Win with BOM Listings
Here’s the real estate reality: once a listing goes BOM, it loses a bit of its sparkle in the eyes of the market. It’s no longer “new and shiny” — which means…
👉 Less competition for you. 👉 More motivated sellers. 👉 Potentially better terms.
Here’s how to approach a BOM listing like a seasoned house hunter:
Ask the right questions: Why did the contract fall through? Is there an inspection report available?
Get the full picture: Were repairs made? Was the home appraised?
Be prepared: If it checks out and fits your goals, move quickly — this could be your moment to snag a great home without the bidding war circus.
The Bottom Line
Don’t let BOM scare you off. Let it make you curious. The key is working with an agent who knows how to dig deeper, separate the red flags from the red herrings, and help you seize opportunities that others might miss.
At MORE, REALTORS®, we help buyers think strategically, act confidently, and stay protected every step of the way. Curious to see how BOMs are trending in your area?
If you’re ready to house hunt like a pro — without losing your humor or your sanity — I’d love to help.
Because not every second chance is sketchy. Some are just waiting for the right buyer to come along.
Ready to Make a Move?
Whether you’re buying, selling, or just market-curious — let’s talk. I bring data, strategy, and a bit of charm to the process (because real estate doesn’t have to be boring).
If you want to understand the heart of a city, don’t just study the map — listen to the voices shaping the conversation. In St. Louis, those voices are increasingly coming from local influencers who are not just entertaining followers, but reflecting the dynamic, diverse spirit of our neighborhoods.
Whether you’re relocating, upsizing, or just considering your options, tapping into the content created by St. Louis’s most-followed personalities can give you a front-row seat to the lifestyle vibe that no MLS listing can capture.
Here are 10 standout social media figures helping to define St. Louis right now — and what their platforms might tell you about the communities you’re considering calling home.
✨Culture, Creativity, and Community — Through a St. Louis Lens
Sydney Thomas (@iamsydneythomas) After going viral as a ring girl during the 2024 Mike Tyson–Jake Paul fight, this recent University of Alabama grad has become a breakout personality on TikTok. Her meteoric rise shows how hometown pride and national visibility can go hand in hand — something we see echoed in St. Louis neighborhoods that blend local roots with modern energy.
Taylor Cassidy (@taylorcassidyj) With over 2.2 million followers, Taylor’s “Fast Black History” series blends education and storytelling, underscoring the importance of heritage and voice. Her work resonates deeply in historic St. Louis communities where culture is preserved and celebrated — think the Central West End or The Ville.
Meaghan Ranee (@meaghanranee) Known for her candid humor on parenting and everyday chaos, Meaghan brings a refreshingly unfiltered look at family life. Buyers exploring areas like Webster Groves, Kirkwood, or South City will find echoes of her relatable content in neighborhoods filled with playgrounds, porches, and personality.
Dr. Holden Stanfill (@dr.holdenstanfill) This viral chiropractor combines health expertise with digital charm — proof that professional services in St. Louis are evolving alongside its social scene. From sleek wellness hubs to historic buildings-turned-businesses, you’ll find communities ready for both innovation and tradition.
Nicole Paris (@realnicoleparis) Opera meets beatboxing? Only in St. Louis. Nicole’s eclectic artistry captures the city’s musical soul and its love for reinvention. Buyers seeking areas with rich creative energy — like Benton Park or Cherokee Street — will feel right at home.
Jess Bippen (@nourishedbynutrition) A registered dietitian focused on women’s wellness, Jess curates calm, clarity, and holistic balance — values you can see reflected in the growing demand for walkable, wellness-minded neighborhoods like Maplewood or Tower Grove.
Naye’ Gray (@naye.gray) With content rooted in empowerment and authenticity, Naye’ brings warmth and encouragement to the digital space. That same energy is what draws buyers to community-driven neighborhoods where diversity, connection, and self-expression are welcome.
Justin Barr (@stl_from_above) Justin’s drone footage of the city showcases St. Louis from a bird’s-eye view — literally. His work gives buyers a sense of layout, green space, and architectural charm, all from their phone screen.
Jen Cowan (@andhattiemakesthree) Through snapshots of parenting, lifestyle, and local events, Jen gives a well-rounded view of what family life in St. Louis really looks like. Her feed often feels like a live-in tour of family-friendly pockets throughout the metro area.
Psyche Southwell (@economyofstyle) Psyche’s fashion-forward take on affordable style is grounded in practicality and flair — a lot like St. Louis itself. Whether it’s charming bungalows in South Hampton or modern condos near Cortex, she speaks to buyers who want style without sacrifice.
🏡 What This Means for Buyers
These influencers do more than entertain — they help paint a portrait of what it’s like to live here. Their content offers valuable insight into everything from school districts and small businesses to street festivals and city parks. Watching their feeds can help buyers:
Get a feel for neighborhood energy (Is it buzzing or laid-back?)
Identify communities aligned with lifestyle goals (Walkability, diversity, wellness, art scenes)
Stay in the loop on local trends, businesses, and cultural moments
Picture themselves in the day-to-day rhythm of STL life
🤝 The Right Fit Starts with the Right Guide
When you’re buying a home, you’re not just investing in walls and windows — you’re choosing a lifestyle. The team at MORE REALTORS®understands that. Our agents don’t just know the market — we live in these communities, shop at the same farmers markets, and follow many of the same local voices you do.
Whether you’re drawn to a vibrant city block or a quiet street near the trails, we’ll help you navigate not just where to buy, but why it fits you.
Ready to find your place in the STL story?
Whether you’re buying, selling, or just market-curious — let’s talk. I bring data, strategy, and a bit of charm to the process (because real estate doesn’t have to be boring).
If you’re a homeowner prepping to sell, chances are you’ve peeked at your Zestimate and done some mental math about how much your place might fetch. But when the appraiser shows up with a clipboard and a calculator (okay, it’s probably a tablet these days), they’re playing by a very different rulebook.
Here are eight things that surprise even seasoned sellers when it comes to how a home is appraised — and why it pays to have a pro guiding you through it.
1. Your ZIP Code Carries More Weight Than You Think
Even if your home backs to the same park, sits on the same style lot, and has nearly identical upgrades as the neighbor two streets over, appraisers may only pull comps from your specific ZIP or subdivision. That means the value of your home could take a hit just because it’s technically on the “wrong” side of a map line. (Yes, it’s as frustrating as it sounds.)
2. Appraisers Don’t Use Zillow
Sure a Zestimate makes for fun cocktail party banter, but an appraiser won’t touch it with a ten-foot pole. They rely on real, recent, closed sales, and they’re hyper-local about it. So if your appraised value doesn’t match what you saw online, it’s not an error — it’s just how the sausage gets made.
3. Over-Improving Isn’t Always a Win
You might have the sleekest kitchen in the county, but if your home is now wildly outpacing others in your neighborhood, the appraiser may cap how much value those upgrades actually add. In short: just because you paid $70K for a home gym and wine cellar doesn’t mean you’ll get it back in the appraisal.
4. Cleanliness Doesn’t Technically Matter… But It Kind of Does
In theory, appraisers evaluate structure and condition — not whether the dishes are done. But homes that are tidy, well-lit, and feel taken care of tend to be perceived more positively. Mess can signal neglect, even if it’s just life happening.
5. Unpermitted Work Could Lower Value
That gorgeous finished basement or oversized deck? If it was done without permits or outside code compliance, the appraiser might exclude it from square footage — or worse, deduct value for potential risk. Always check your paperwork before you brag about that bonus living space.
6. Weird Floor Plans Can Tank Value
Appraisers look beyond square footage. If your layout feels awkward — like a bedroom that opens straight into the kitchen or a bathroom you have to reach through the laundry room — you may get dinged for function, even if the finishes are high-end.
7. Curb Appeal = Appraisal Appeal
Peeling paint, cracked walkways, or an overgrown yard won’t just turn off buyers — they can also nudge your appraisal down a notch. Even if the bones are good, deferred maintenance shows up in the numbers.
8. Appraisers Aren’t Mind Readers
They don’t know you installed a new roof last year or replaced every window in the house unless you tell them. Providing a clear, concise list of updates with dates and receipts can help ensure those investments are reflected in your appraisal.
Bottom Line? The Right Guidance Changes Everything.
Selling your home isn’t just about putting a sign in the yard — it’s about navigating a whole maze of value perception, market data, and strategic positioning. At MORE, REALTORS, we specialize in getting ahead of the appraisal curve: walking you through what matters, what doesn’t, and how to make the most of your home’s value — before the appraiser even pulls into the driveway.
📞 Ready to Make a Move?
Whether you’re buying, selling, or just market-curious — let’s talk. I bring data, strategy, and a bit of charm to the process (because real estate doesn’t have to be boring).
In the 12-month period ending March 31, 2025, there were 3,492 permits issued for new single-family homes in the St. Louis area, a 16.55% decrease from the 4,070 permits issued during the prior year, according to the Home Builders Association of St. Louis & Eastern Missouri. Five of the seven counties in the report showed double-digit drops in new home permit activity. However, Franklin County and Warren County saw double-digit increases, indicating continued strong interest in those markets.
This data is one of the many reasons buyers and investors rely on the expertise and insights from MORE, REALTORS®
See the full breakdown in the table below to understand how each county is performing in today’s shifting construction market.
St Louis New Home Building Permits – March 2025
(click on table below for live interactive charts and more data)
The Metro East real estate market has shown notable growth in April 2025, with the median home selling price reaching $193,000, a 5.46% increase from April 2024. This upward trend is also evident from the month-to-month comparison, where there was a 4.64% rise from March 2025’s median sold price of $184,450. While sales prices are climbing, the number of homes sold in April 2025 experienced a slight decrease, with 595 homes sold compared to 635 in the same month last year, reflecting a 6.30% drop.
The median list price for homes also saw an increase, reaching $192,500 in April 2025, up 4.11% from $184,900 in April 2024. This data suggests a steadily growing market in terms of value, despite the dip in sales volume.
For a detailed visual representation, refer to the chart below, which illustrates these trends clearly. This chart is available exclusively from MORE, REALTORS®, providing critical insights for anyone interested in the Metro East real estate market. Whether you are looking to buy, sell, or simply keep up with market trends in the St. Louis, MO area, MORE, REALTORS® is your go-to source for timely and accurate real estate data.
Let’s be honest — some home trends age like fine wine, and others… well, they start to feel like a VHS tape in a 4K world. And when it comes to your home’s curb appeal, especially in the ever-evolving St. Louis market, making smart design choices matters — not just for resale, but for loving where you live right now.
So, what exterior looks are heading out the door in 2025? Here’s what’s being quietly escorted off the style stage — and what’s stepping into the spotlight instead.
❌ The “Out” List: Trends Taking a Backseat This Year
1. All-White Exteriors That clean farmhouse white look? Still charming in small doses, but too much of it can come off cold and high-maintenance. Buyers are craving warmth and personality — and white-on-white doesn’t always deliver.
2. Cool Gray Everything If “Millennial Gray” had a good run on your block, you’re not alone. But 2025 is favoring warmer greiges, clay tones, and organic hues that feel more grounded and inviting.
3. Painted Brick (Especially White or Gray) A controversial one, I know. But we’re seeing a shift back toward natural, unpainted brick — with all its texture, variation, and historic character. Less maintenance, more authenticity.
4. Matchy-Matchy Monochrome Uniform siding, trim, shutters, and doors? Not anymore. Today’s curb appeal is all about thoughtful contrast — rich siding with creamy trim, or an unexpected pop on the front door. Let it breathe a little.
5. Boring Front Doors A beige door that fades into the siding? Pass. We’re leaning into color — deep navy, olive green, and even bold citrus tones that make your entryway stand out in the best way.
6. Stiff Landscaping Overly symmetrical gardens and high-maintenance hedges are giving way to looser, more natural designs. Native plants, layered textures, and low-water landscaping are not just trendy — they’re smart.
✅ So, What Is In?
We’re seeing a strong embrace of:
Nature-inspired palettes (hello, soft taupes, mossy greens, and warm browns)
Mixed materials (wood, stone, metal — all working together like a great charcuterie board)
Smart outdoor lighting (functional and dramatic? Yes, please)
Biophilic landscaping that connects your home to the environment around it
And the best part? These updates are just as practical as they are beautiful — especially important as St. Louis buyers become more style-savvy and sustainability-focused.
Bonus Insight: Why This Matters Now
Love It Or List It is not just a tv show. So, it is important to not DIY in the dark. If you are on the fence about whether to stay or go, let’s talk strategy. There’s a strong upswing in homeowners choosing to update instead of relocate. Investing in a few modern exterior touches can seriously boost your home’s value — and give you that “yes, I do live here” moment every time you pull into the driveway.
But when even the freshest facelift doesn’t rekindle the flame, it is time to List it.
Ready to Make a Move?
Whether you’re buying, selling, or just market-curious — let’s talk. I bring data, strategy, and a bit of charm to the process (because real estate doesn’t have to be boring).
As we navigate the complexities of the St. Louis real estate market in May 2025, understanding the current mortgage rates is crucial for both potential home buyers and sellers. The latest data provided by MORE, REALTORS® indicates a slight decrease in interest rates, which could influence decision-making processes in the housing market. The 30-Year Fixed Rate now stands at 6.86%, showing a minor reduction of 0.02%. Similarly, the 15-Year Fixed Rate has also decreased by 0.02%, currently at 6.19%. These small changes suggest a relatively stable interest rate environment.
For those considering more substantial home purchases, the 30-Year Jumbo Rate remains constant at 7.00%. Meanwhile, the FHA option, often favored by first-time homebuyers, offers a lower rate of 6.25% for a 30-Year term. Additionally, the Adjustable Rate (7/6 SOFR ARM) is currently set at 6.45%, providing an alternative for those looking for potentially lower payments initially.
These figures are essential for understanding the broader implications on the St. Louis housing market. Lower interest rates can increase buying power, potentially leading to more competitive housing markets. Conversely, higher rates might slow down the market, as borrowing becomes more expensive. For a visual representation of these trends, please refer to the chart button below, which includes both current and historic interest rates. This information, provided by MORE, REALTORS®, aims to assist you in making informed decisions in the St. Louis real estate landscape.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.86%
-0.02%
15 Yr. Fixed
6.19%
-0.02%
30 Yr. FHA
6.25%
-0.03%
30 Yr. Jumbo
7.00%
-0.01%
7/6 SOFR ARM
6.45%
+0.01%
30 Yr. VA
6.27%
-0.03%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of May 8, 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 real estate market in St. Charles County has demonstrated robust growth as of May 2025, with significant increases in both median sold and list prices compared to the previous year. In April 2025, homes in St. Charles County sold for a median price of $375,000, marking a 4.17% increase from April 2024, when the median sold price was $360,000. This figure also represents a 1.35% rise from March 2025, where the median sold price was $370,000.
The median list price in April 2025 reached $374,400, up by 6.97% from $350,000 in April 2024. Additionally, the number of home sales has seen a notable uptick, with 406 homes sold in April 2025, a 10.03% increase from the 369 homes sold in April 2024.
For a detailed visual representation of these trends, refer to the chart below, exclusively available from MORE, REALTORS®. This chart provides a clear illustration of the ongoing upward trajectory in the St. Charles County real estate market, reflecting the growing demand and healthy market conditions as of May 2025.
According to a recent report by Realtor.com, Missouri and Illinois rank in the middle of the pack when it comes to home affordability, with Missouri landing at #22 and Illinois at #30 among all 50 states and the District of Columbia. While neither state earned a top grade, both remain relatively affordable compared to coastal and western markets. Missouri received a “C” grade with a REALTORS® Affordability Score of 0.82 and a median listing price of $298,696. Illinois, also graded “C”, had a slightly higher affordability score of 0.86, a median home price of $316,613, and a notably higher median household income of $79,180.
For buyers in the St. Louis region, these numbers reinforce the area’s reputation as one of the more accessible major metros for homeownership. In Missouri, the affordability score reflects strong alignment between home prices and income, which, combined with moderate new construction premiums (50.9%), suggests a healthy balance of demand and development. Illinois also fares well in terms of affordability despite slightly higher home prices, bolstered by a larger share of population and housing permit activity.
As affordability challenges grow in many markets, the St. Louis metro remains attractive for homebuyers, especially those relocating from more expensive regions. The affordability metrics for both Missouri and Illinois are favorable compared to national averages, providing a window of opportunity for first-time buyers, investors, and relocating families. For those looking to make a move in today’s complex market, working with an experienced agent from MORE, REALTORS® is a great way to make sense of current trends and navigate your next move confidently.
Missouri & Illinois Housing Affordability and Ranking
State
Rank
Total Score
Grade
Affordability Score
Median Listing Price
Median Household Income
Share of 2024 Permits
Share of Population
New Construction Premium
Missouri
22
56.2
C
0.82
$298,696
$68,010
1.2%
1.8%
50.9%
Illinois
30
50.1
C
0.86
$316,613
$79,180
1.3%
3.7%
75.0%
Housing Affordability Scorecard by State – Interactive Map
The Franklin County real estate market experienced a notable increase in home prices in April 2025, with the median sold price reaching $267,500. This reflects an 8.98% rise from April 2024, where the median price was $245,450, and a slight increase of 0.13% from March 2025. Meanwhile, the median list price also saw a growth, setting at $270,950 in April 2025, up by 9.03% from the previous year.
Despite the rise in prices, the number of homes sold in Franklin County decreased by 16.36% year-over-year, with 92 homes sold in April 2025 compared to 110 in the same month last year. This shift in the market dynamics is detailed in the chart below, which is available exclusively from MORE, REALTORS®. For those interested in the Franklin County real estate market, this chart provides a visual representation of the latest trends and changes, offering valuable insights into the local housing market as of May 2025.
The latest data is in, and it confirms what many of us in the real estate business have long suspected: properties listed on the MLS consistently outperform those kept in private listing networks or “office exclusives.” As the practice of marketing homes privately grows, the question is more important than ever for sellers and agents alike: what’s really the better move?
According to Bright MLS’s analysis of over 100,000 home sales across six states and D.C., office exclusives take 85% longer to go under contract compared to homes listed in the MLS. That’s a 37-day median versus just 20 days for MLS listings . Nearly 90% of those office exclusives ended up on the MLS before selling anyway .
And this isn’t just a national issue—it’s showing up here in the St. Louis region too. According to MARIS, our local MLS, as of early May 2025, office exclusive listings currently make up 8.95% of the active listings in the Missouri areas covered by MARIS, and 4.83% of the active listings in the Illinois portion of the market. That’s a meaningful chunk of inventory that’s essentially invisible to most buyers.
While office exclusives are often pitched as tools for privacy, price testing, or exclusivity, the data simply doesn’t back up the notion that they lead to better outcomes for sellers. In fact, Bright MLS found no statistically significant pricing advantage after adjusting for property characteristics and location .
Zillow’s March 2025 study reinforces that conclusion on a national scale. Off-market homes sold for an average of $5,000 less than their MLS-listed counterparts—1.5% lower. In California, that gap widened to 3.7%. Even high-end homes, which are often cited as prime candidates for private listings, showed a small price hit when sold off-market .
To me, the biggest concern is access. In ZIP codes where private listings make up over 20% of new inventory, it creates a fragmented, opaque marketplace that disadvantages consumers and undermines the transparency the MLS is built to provide .
Nonetheless, brokerages like Douglas Elliman and The Corcoran Group have rolled out their own private networks this year. Their branding focuses on discretion and pre-market testing. But as the data shows, those listings often end up right back where they should have started—in the MLS .
Whether you’re a homeowner looking to maximize your sale or an agent trying to act in your client’s best interest, the evidence overwhelmingly favors MLS listings. From exposure and speed to price and fairness, the MLS continues to be the foundation of a healthy real estate marketplace. And if almost 9 out of 10 office exclusives end up on the MLS anyway, that says it all.
At MORE, REALTORS®, we help our clients navigate these decisions with the advantage of data, technology, and experience. We don’t just promote what’s trending — we advocate for what works.
On April 22, 2025, a court issued a temporary restraining order preventing the City of St. Louis from enforcing Ordinance 71729, which governs short-term rentals in the city. As a result, the city has paused all activity related to the permitting and regulation of short-term rentals, including accepting new applications, conducting inspections, issuing permits, and collecting associated fees. This pause also affects the recently passed Proposition S, halting the collection of the 3% fee approved by voters in November 2024.
While the legal dispute continues, short-term rentals can continue to operate in the City of St. Louis without permits as required under the challenged ordinance. The next court hearing is scheduled for May 5, 2025, at which time the judge will decide whether to extend or alter the restraining order. Until further guidance is issued by the court, short-term rental platforms are allowed to keep listings active that do not currently comply with Ordinance 71729.
This legal development introduces a period of uncertainty for investors and property owners operating or considering entering the short-term rental market in St. Louis. Anyone involved in or impacted by these operations should pay close attention to the court’s next decision. We’ll provide timely updates as more information becomes available.
At MORE, REALTORS®, we continue to monitor this closely to keep our clients informed and empowered to make confident real estate decisions.
As of May 2025, the St. Louis real estate market is experiencing a variety of mortgage rate options that cater to different types of buyers and refinancing needs. The 30-Year Fixed Rate remains steady at 6.81%, indicating a stable lending environment. On the other hand, the 15-Year Fixed Rate has seen a slight decrease to 6.15%, down by 0.02%, which might appeal to homeowners looking to refinance and pay off their loans faster.
For those considering larger, more expensive properties, the 30-Year Jumbo Rate is currently at 6.95%. This rate is slightly higher than the standard fixed rates, reflecting the increased risk associated with larger loan amounts. Additionally, the 30-Year FHA Rate, often chosen by first-time homebuyers for its lower down payment requirements, is attractively set at 6.18%. Those looking for more flexibility might find the Adjustable Rate (7/6 SOFR ARM) appealing, which is currently at 6.35%.
Understanding these rates is crucial for making informed decisions in the housing market. For a visual representation of how these rates have changed over time, click the chart button below. This information, provided by MORE, REALTORS®, helps potential buyers and sellers in the St. Louis metropolitan area navigate their real estate transactions with up-to-date and relevant data. Whether you’re buying your first home, upgrading to a larger property, or refinancing, keeping an eye on these rates can provide valuable guidance.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.81%
+0.00%
15 Yr. Fixed
6.15%
-0.02%
30 Yr. FHA
6.18%
-0.01%
30 Yr. Jumbo
6.95%
+0.00%
7/6 SOFR ARM
6.35%
-0.02%
30 Yr. VA
6.19%
-0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of May 1, 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.
There are homes that you sell, and then there are homes that you carry. For me, 211 Midland was never just a listing. It was a story — and a continuation of one that started long before I ever stepped foot inside its hand-cut limestone walls.
Originally built in 1905 by John L. Miers — a streetcar magnate when Creve Coeur Lake was the weekend escape for St. Louisans — this grand estate stood as a symbol of an era. Designed by the renowned firm Barnett, Haynes & Barnett, it rose up from nearly 10 acres of untouched countryside, dressed in Missouri limestone, crowned with a red tile roof, and wrapped in a porch wide enough for a family’s dreams to unfold on. Miers wanted proximity to the lake and his growing Creve Coeur resort operation — but what he created was something bigger: a timeless, resilient piece of St. Louis history.
Over the decades, 211 Midland lived many lives — as a family estate, the Normandy Athletic Club, a quiet local landmark — always holding on to its place while the world grew up around it. And then it came into the care of the Serra family — wonderful people with deep ties to the property and the community.
That’s where my story begins. My late mother, Patti Accardi Baum, first built the relationship with the Serra family many years ago. As anyone who knew my mom can tell you, her warmth, honesty, and ability to connect made her unforgettable. She had a special way of making people feel like family — and that included her clients.
When my mom passed this past December, the loss was tremendous. But one thing she instilled in me — one thing the Accardi-Baum Squad has always stood for — is that relationships don’t end when a sale closes. They carry on. They grow. They matter.
So when the time came to find the next chapter for 211 Midland, I picked up right where my mom left off. I worked closely with the Serra family to honor not just the sale of the property, but the history of it. We weren’t just selling a house — we were passing forward a century of craftsmanship, stories, and memories.
And I’m proud to share that just recently, we closed on 211 Midland for $1.12 million. The next chapter for 211 Midland will look different. The new owner is a developer with plans to respectfully transition the site into what we believe will be a 55+ community — bringing new life, new homes, and new stories to this beautiful part of Maryland Heights. While it’s bittersweet to say goodbye to the original limestone house, I truly believe the spirit of the property — a place where people gather, connect, and build memories — will live on in this next phase.
It wasn’t just a transaction. It was a tribute — to the Serra family, to the home itself, and to the real estate tradition my mom started and I’m honored to continue.
If you or someone you know is looking for a real estate team that leads with heart, hustle, and a deep respect for the story behind every home, give me and the Accardi-Baum Squad a call. We’re not just here to sell houses — we’re here to help you turn your next chapter into something unforgettable.
Giuseppe Accardi
The Accardi-Baum Squad “Where real estate is about relationships first.”
In Missouri, it’s an eye-opener that companies managing homeowners associations (HOAs), condominium associations, and subdivisions are not required to hold any type of state license—not even a real estate broker’s license. Yet, just across the river in Illinois, community association managers must be licensed under their Community Association Manager Licensing and Disciplinary Act. This gap in regulation here in Missouri leaves condo owners and homeowners vulnerable, particularly when it comes to the management of large associations that handle millions of dollars in dues and are responsible for common ground and major infrastructure like private streets and utilities.
Think about it: a property manager overseeing a single rental home for an individual must be a licensed real estate broker—subject to audits, escrow requirements, and consumer protections. Meanwhile, someone managing a 300-unit condominium development or an entire subdivision, receiving and disbursing hundreds of thousands of dollars, is subject to little oversight beyond general contract law and, if needed, civil lawsuits. There’s no mandated education, no licensing, no formal fiduciary standard, and no real consequence for poor management short of costly, time-consuming litigation initiated by the homeowners or the association.
Unfortunately, this lack of accountability can have very real consequences. I’m currently dealing with a situation where a St. Louis County occupancy inspection cited an issue with the electric service—a repair that was clearly the condominium association’s responsibility. Here we are, nearly three months later, and the property management company has only managed to get a couple of bids—no repairs have been completed, the unit remains vacant, and a tenant I had lined up has now moved on. It’s not just my financial loss; this kind of mismanagement ultimately hurts all unit owners by negatively impacting property values and undermining the reputation of the community.
It is surprising—and concerning—that Missouri has not stepped up to at least require some form of licensing or regulation for community association managers. After all, protecting homeowners’ investments is critical, and the stakes for mismanagement of a multi-million dollar community are arguably much higher than for a single rental property. Until the laws catch up, property owners need to be extremely diligent when selecting and overseeing their association management companies, because for now, in Missouri, “buyer beware” applies just as much after closing as it does before.
The latest Independent Landlord Rental Performance Report from Chandan Economics, covering April 2025, shows on-time rental payments nationally hitting 86.3% — an improvement of 45 basis points from the prior month, and notably the first year-over-year increase in on-time payments since July 2023. While this is encouraging news overall for small to medium landlords, the story for Missouri and Illinois isn’t quite as rosy when you dig into the state-level data.
Missouri posted an on-time payment rate of just 83%, putting us at 42nd out of the 47 states and districts that met reporting standards. That’s a full 330 basis points (3.3%) below the national average. Making matters worse, Missouri saw a significant 267 basis point decline compared to the previous month. Illinois didn’t fare much better, with an 84% on-time rate, ranking 38th nationally. Illinois’ on-time payment rate fell 248 basis points from last month and is still about 230 basis points under the national average.
When you put it side by side, both Missouri and Illinois are underperforming the nation on rent collections. It’s not catastrophic, but it’s definitely a caution flag for rental property investors here. With national collections firming up and western states like Utah and Idaho pulling over 92% on-time, it’s clear that our region isn’t bouncing back at the same clip. For small and mid-size landlords, staying ahead of tenant risk and local economic shifts is going to be just as important this year as watching interest rates and property values.
The interactive chart below shows national on-time payment rates broken down by property type—single-family rentals, small 2–4 unit properties, and larger multifamily buildings. In April, 2–4 unit rentals led the pack nationally with an 87.0% on-time payment rate, just ahead of single-family homes at 86.5% and larger multifamily at 86.2%. While states like Utah and Idaho are posting eye-popping numbers over 92%, it’s a different story here closer to home. Missouri and Illinois both fell short of the national averages across the board, reminding us that local market conditions can look very different even when national trends seem positive. For independent landlords here, staying dialed into those local shifts will matter just as much as watching national stats.
As the spring market picks up speed, St. Charles and St. Louis counties are showing some interesting contrasts in real estate activity — and for both buyers and sellers, the opportunities (and strategies) vary depending on where you’re standing.
We dug into the most recent local data comparing February to March 2025, and here’s what you need to know:
🔻 Price Reductions Are Dropping — And That’s a Seller Signal
In both St. Charles and St. Louis, the number of listings with price reductions declined noticeably:
St. Charles saw a 24% decrease
St. Louis experienced a 20% decrease
That drop suggests sellers are pricing more confidently — or seeing stronger interest up front. If you’re a homeowner considering listing, this may be your cue to strike while competition remains tight and buyers are motivated.
📈 Inventory Is Up — Especially in St. Charles
After a long stretch of low inventory, the spring surge is real:
St. Charles listings jumped 51%
St. Louis listings rose 35%
Buyers now have more options to choose from — which is great news for anyone who felt boxed in during the winter slowdown. And for sellers, it means a more competitive landscape where staging, pricing, and timing matter more than ever.
✅ Accepted Offers Are Climbing
Demand isn’t slowing — even with more listings hitting the market. In March:
St. Louis saw a 31% increase in newly accepted contracts
St. Charles followed closely with a 29% rise
Homes are still moving quickly — especially those that are well-presented and priced right from the start.
🔁 Fewer Homes Are Returning to Market
Another sign of increasing buyer confidence and stability:
St. Charles saw a 4% drop in homes coming back on market
St. Louis saw a 2% decrease
Fewer fall-throughs means deals are sticking — a positive sign for sellers looking for smoother closings and buyers aiming to avoid bidding wars or financing hiccups.
💡 What This Means for Buyers and Sellers
Whether you’re navigating St. Louis or exploring opportunities in St. Charles, one thing is clear: the spring market is active, competitive, and filled with potential.
For Buyers: Now’s the time to make your move — more inventory gives you choices, but homes are still selling fast. A trusted agent (hi, that’s me 👋) can help you move quickly and confidently when the right one pops up.
For Sellers: The market is rewarding homes that are prepped, priced, and positioned well. With fewer price reductions and solid buyer demand, this could be your window to sell successfully.
Ready to Make a Move?
Whether you’re buying, selling, or just market-curious — let’s talk. I bring data, strategy, and a bit of charm to the process (because real estate doesn’t have to be boring).
As of April 2025, the St. Louis real estate market is experiencing a shift in mortgage rates that potential home buyers and sellers should consider. The 30-Year Fixed Rate has climbed slightly to 6.95%, marking an increase of 0.10% from previous figures. Similarly, the 15-Year Fixed Rate has risen to 6.37%, up by 0.13%. These changes indicate a trend towards rising mortgage costs in the region, which could influence buying decisions and market dynamics.
For those considering more substantial home purchases, the 30-Year Jumbo Rate stands at 7.05%, while the 30-Year FHA Rate is notably lower at 6.42%. Additionally, the Adjustable Rate (7/6 SOFR ARM) is currently at 6.43%, offering a potentially attractive option for buyers looking for lower initial rates. Understanding these figures is crucial for making informed decisions in today’s market.
For a detailed view of how these rates compare historically, please click the chart button below. This information is provided by MORE, REALTORS®, and is essential for anyone looking to navigate the complexities of the St. Louis real estate market this April 2025. Whether you’re buying your first home or investing in property, staying updated on these trends can significantly impact your strategies and outcomes.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.95%
+0.10%
15 Yr. Fixed
6.37%
+0.13%
30 Yr. FHA
6.42%
+0.19%
30 Yr. Jumbo
7.05%
+0.15%
7/6 SOFR ARM
6.43%
+0.10%
30 Yr. VA
6.45%
+0.20%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of April 24, 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 demonstrated a robust increase in home prices during March 2025, according to the latest data. Homes sold for a median price of $220,000, marking a significant 4.76% rise from the previous year’s median of $210,000. This upward trend is further highlighted by a 10.03% increase from February 2025, where the median sold price was $199,950. Additionally, the median list price in March climbed to $222,450, up 11.23% from $200,000 in March 2024.
Despite the increase in prices, the number of home sales experienced a slight decline. There were 206 homes sold in March 2025, down by 6.79% from 221 sales in the same month last year. This data, illustrated in the chart below, provides a clear view of the current market trends. The chart is available exclusively from MORE, REALTORS®, offering detailed insights into the St. Louis City real estate market as of April 2025. For more information and detailed market analysis, visit MORE, REALTORS®.
The St. Louis County real estate market has experienced notable growth in property values, according to the latest data. In March 2025, homes in St. Louis County sold for a median price of $275,000, marking a substantial increase of 16.92% compared to March 2024, when the median sold price was $235,200. This rise also reflects a 10.00% increase from February 2025, which had a median sold price of $250,000.
Furthermore, the median list price for homes was $271,000 in March 2025, up by 17.88% from $229,900 in the same month the previous year. Despite these higher prices, the number of home sales in St. Louis County saw a decrease, with 848 homes sold in March 2025, down 7.93% from 921 sales in March 2024.
For a visual representation of these changes, please refer to the chart below, available exclusively from MORE, REALTORS®. This chart provides a clear overview of the trends and shifts in the St. Louis County real estate market, helping potential buyers and sellers make informed decisions.
As of April 2025, the St. Louis real estate market is experiencing a dynamic shift in mortgage rates, crucial for both potential homebuyers and current homeowners considering refinancing. The 30-year fixed mortgage rate has seen a slight increase to 6.95%, up by 0.10% from the previous month. Similarly, the 15-year fixed rate has risen to 6.37%, marking a 0.13% increase. These changes reflect broader economic trends impacting borrowing costs.
For those looking at more substantial properties, the 30-year jumbo loan rate stands at 7.05%, slightly higher than conventional loan rates, indicating a premium for higher loan amounts. Conversely, more affordable options like the 30-Year FHA rate are currently at 6.42%, offering a relatively lower entry point for first-time homebuyers. Additionally, the Adjustable Rate Mortgage (ARM), specifically the 7/6 SOFR ARM, is now at 6.43%, providing an alternative for those expecting to move or refinance within a shorter time frame.
Understanding these rates is crucial for making informed decisions in the housing market. For a detailed view of how these rates have changed over time, click the chart button below. This data, provided by MORE, REALTORS®, offers a comprehensive look at current and historic interest rates, aiding buyers and sellers in navigating the complexities of the real estate market in St. Louis. As the market continues to evolve, staying updated on these trends will be key to making strategic real estate decisions.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.95%
+0.10%
15 Yr. Fixed
6.37%
+0.13%
30 Yr. FHA
6.42%
+0.19%
30 Yr. Jumbo
7.05%
+0.15%
7/6 SOFR ARM
6.43%
+0.10%
30 Yr. VA
6.45%
+0.20%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of April 17, 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, spanning counties in both Missouri and Illinois, has experienced a slight shift in its real estate market this year. Through the end of March 2025, the region recorded 6,018 homes sold, marking a 6.25% decrease compared to the 6,419 homes sold during the same period in the previous year. This change reflects the dynamic nature of the local real estate market, which can fluctuate due to a variety of economic and environmental factors.
Despite the recent dip, the St. Louis real estate market continues to offer substantial opportunities for both buyers and sellers. Those interested in the fastest selling zip codes and more detailed market insights can find a complete list provided by MORE, REALTORS® at the end of this article. The current figures suggest a competitive market environment, where timely and informed decisions are crucial. Whether you are looking to buy a new home or sell your property, staying updated with the latest market trends is essential for navigating the real estate landscape effectively.
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There are homes that you sell, and then there are homes that you carry.
