The St. Louis metropolitan area is seeing a surge in real estate activity, with certain zip codes standing out for their rapid home sales. Leading the pack is a zip code in St. Clair County, Illinois, where homes are selling at lightning speed. With an average of just 23 days on the market, this area boasts six active listings with an average list price of $62,167, making it an attractive option for budget-conscious buyers looking for quick transactions.
Following closely are two zip codes in St. Louis, Missouri. The first, with 57 active listings, sees homes spending an average of 25 days on the market. The second, located in St. Louis City, hosts 53 listings with an average market time of 27 days. These areas are appealing to families and individuals seeking dynamic communities with swift real estate turnarounds. For those interested in exploring more about these fast-moving markets, the complete list of the fastest selling zip codes is available through MORE, REALTORS®, offering valuable insights for both buyers and sellers aiming to make informed decisions.
The Jefferson County real estate market continues to show positive trends as of November 2025. In October 2025, homes in the area sold for a median price of $290,000, reflecting a 1.31% increase from the median price of $286,250 in October 2024. This price also remained stable compared to September 2025, with no change in the median sold price, indicating a consistent market performance.
Furthermore, the median list price for homes in Jefferson County rose significantly to $329,900, marking a 15.75% increase from $285,000 in October 2024. This rise in list prices suggests a strong demand for homes in the region. The number of home sales also saw an uptick, with 264 sales recorded in October 2025, a 5.60% increase from the 250 sales in October 2024.
For a detailed visual representation of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data underscores the steady growth and resilience of the Jefferson County real estate market, making it a focal point for potential buyers and investors in the St. Louis, MO area.
In November 2025, St. Louis homebuyers are seeing a favorable shift in mortgage rates as the trend continues downward. The 30-year fixed mortgage rate has decreased to 6.29%, a slight drop of 0.05% from last week. This reduction offers a slight reprieve in what has been a challenging market for prospective homeowners. Similarly, the 15-year fixed rate has decreased to 5.80%, down by 0.04%, providing additional options for those looking to finance or refinance their homes.
These falling rates are a positive development for the St. Louis market, potentially easing monthly payments for buyers and improving affordability. Sellers may also benefit as more buyers are likely to enter the market in response to these lower financing costs. With the 30-year Jumbo rate at 6.40% and the 30-year FHA rate at 6.00%, a variety of options are available for different buyer needs. The adjustable rate, specifically the 7/6 SOFR ARM, has also seen a decrease, now at 6.01%.
For those interested in the historical trends of mortgage rates in St. Louis, the chart button below provides a comprehensive view. This data is courtesy of MORE, REALTORS®, a trusted source for real estate insights. As rates continue to adjust, staying informed will be crucial for both buyers and sellers navigating the St. Louis real estate landscape.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.29%
-0.05%
15 Yr. Fixed
5.80%
-0.04%
30 Yr. FHA
6.00%
-0.06%
30 Yr. Jumbo
6.40%
-0.01%
7/6 SOFR ARM
6.01%
-0.03%
30 Yr. VA
6.02%
-0.06%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of November 13, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
In the dynamic real estate market of the St. Louis metropolitan area, understanding which school districts are experiencing rapid home sales can provide a competitive edge for both buyers and sellers. Currently leading the pack is Wolf Branch DIST 113 in St. Clair County, Illinois, where homes are being snapped up in an average of just 28 days. With 7 active listings and an average list price of $366,943, this district is attracting families looking for both quality education and a swift home-buying process.
Following closely is the Wood River-Hartford DIST 15 in Madison County, Illinois, with homes on the market for an average of 30 days. Meanwhile, WESCLIN DIST 3 in Clinton County, Illinois, rounds out the top three, with properties selling in about 34 days. For those interested in making informed real estate decisions, MORE, REALTORS® provides a comprehensive list of the fastest selling school districts in the area, offering valuable insights for navigating the competitive St. Louis housing market.
The Metro East real estate market continues its upward trajectory as of November 2025, with significant gains in both home prices and sales volume. In October 2025, homes in the Metro East area sold for a median price of $220,000, marking a 7.32% increase from the previous year when the median was $205,000. This also represents a 2.33% rise from September 2025’s median sold price of $215,000. The median list price reached $232,500, a notable 13.41% increase from October 2024’s $205,000.
The market’s vitality is further highlighted by the 678 home sales recorded in October 2025, a 7.45% increase compared to 631 sales in October 2024. These figures underscore the robust demand and competitive nature of the Metro East real estate market.
For a detailed breakdown of these trends, refer to the chart below, available exclusively from MORE, REALTORS®. This data underscores the dynamic nature of the St. Louis, MO real estate market, and MORE, REALTORS® remains your trusted partner for navigating these changes.
The St. Charles County real estate market demonstrated steady growth in October 2025, with homes selling for a median price of $365,000. This marks a 1.39% increase from October 2024, when the median sold price was $360,000. Additionally, the current median sold price reflects a 2.82% rise compared to September 2025’s $355,000. The median list price also saw a significant increase, reaching $437,163, up 21.77% from $359,000 in October 2024.
The market activity in St. Charles County remained strong, with 517 homes sold in October 2025, a 1.77% increase from the 508 homes sold during the same period last year. The chart below, available exclusively from MORE, REALTORS®, provides a detailed illustration of these trends, highlighting the robust performance of the St. Charles County real estate market. As always, MORE, REALTORS® is committed to providing the most accurate and up-to-date market insights for St. Louis, MO real estate and its surrounding areas.
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.
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.
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.
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.
As of September 25, 2025, the St. Louis real estate market is experiencing a mixed trend in mortgage rates. The 30-year fixed mortgage rate remains unchanged at 6.37%, maintaining its position above 6% and indicating ongoing stability despite the overall rising trend in the market. Meanwhile, the 15-year fixed mortgage rate saw a slight decrease, dropping by 0.01% to 5.89%. This minor reduction in the 15-year rate could offer some relief to potential homebuyers looking for shorter-term financing options.
For St. Louis homebuyers and sellers, these rate movements bring both challenges and opportunities. The unchanged 30-year fixed rate suggests a stable long-term borrowing cost, which could help maintain a predictable budget for homeowners. However, the slight decrease in the 15-year rate may prompt some buyers to consider shorter loan terms, potentially leading to faster equity accumulation and interest savings. The mixed changes in other rates, such as the 30-year Jumbo and 7/6 SOFR ARM, highlight the need for borrowers to carefully evaluate their options based on their unique financial situations.
For a deeper understanding of how these rates compare to historical trends, you can refer to the chart button below. This analysis is provided by MORE, REALTORS®, ensuring that potential buyers and sellers have access to the latest and most accurate information on current mortgage rates in the St. Louis area.
Current Mortgage Rates*
Loan Type
Current Rate
Change From Prior Day
30 Yr. Fixed
6.37%
+0.00%
15 Yr. Fixed
5.89%
-0.01%
30 Yr. FHA
6.05%
-0.01%
30 Yr. Jumbo
6.27%
+0.01%
7/6 SOFR ARM
5.82%
+0.02%
30 Yr. VA
6.08%
+0.01%
*Rates shown are national averages from Mortgage News Daily’s Rate Index and are updated as of September 25, 2025. Individual rates may vary based on factors including loan amount, down payment, credit score, property type, occupancy status, and market conditions. Contact a licensed mortgage professional for personalized rate quotes.
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