Veterans United in
St. Louis, MO
in the MO, IL metro area
The St. Louis housing market in October has weakened compared to last year with the median home price around $300,000 — down 0.6% from last year. Homes for sale in St. Louis* now spend an average of 45 days on the market, and nearly 40% sell below asking price, giving buyers more negotiating power.
Just a few of the 738,955 Veterans we've helped get into homes.
7,942 Veterans in the St. Louis, MO-IL area alone!
Based on Veterans United and Veterans United Realty's internal data.
Britini M. | U.S. Air Force
Andy A. | U.S. Navy
Dennis R. | U.S. Marine Corps
Floyd B. | U.S. Marine Corps
Jacob P. | U.S. Army
Louis E. | U.S. Air Force
Nathan T. | U.S. Marine Corps
St. Louis Metro Housing Market in September 2025
Median Days on Market
45 days
Homes are staying on the market 2.27% longer than last month.
Average Listing Price
$376,658
Average home prices are down 0.64% since last month.
Active Listings
5,868 homes
Number of houses on the market are up 0.51% since last month.
Homes in the St. Louis region sell at a moderate pace.
40% of listings reduced price last month.
3,668
New listings
Up 1.1% from last month
5,868
Active listings
Up 0.5% from last month
VA Loan Market Share
9.4% of originations last year were VA loans.
4,678
Sold last year
1/11
Were VA loans
St. Louis Area
Own vs Rent Trends
A higher share of owner-occupied homes often reflects stronger long-term ties to the community, since homeowners are more likely to stay in one place and invest in their neighborhoods. By contrast, areas with a larger renter population may be more transient, offering flexibility but sometimes less stability in housing markets.
It could also be an indication of market health, as affordable markets often have higher owner-occupancy rates.
The home listing price-to-income ratio in the St. Louis area is 3.8
The ratio compares how expensive homes are in St. Louis relative to household income. A higher ratio means homes cost more compared to what people earn.
A healthy price-to-income ratio is generally around 3 times your household's annual income (or less), but higher ratios can be sustainable depending on your rate, DTI, and more.
Median Home Prices by Neighborhood in the St. Louis Region
This section breaks down median home prices by neighborhood. Use these insights to see where housing costs trend higher or lower, and to better understand the market at the zip code level.
The St. Louis metro median income is $78,224.
Explore St. Louis Area Neighborhoods
See how median home prices in individual St. Louis neighborhoods compare to the overall metro median.
View this chart to learn about the median listing price and the number of active listings in St. Louis over time.
Month
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Listing Price
$236,900
$239,900
$241,900
$262,400
$269,950
$269,900
$274,900
$279,450
$275,000
$275,950
$274,950
$275,566
$273,000
$265,228
$269,900
$271,559
$236,900
$284,900
$281,650
$289,448
$288,900
$283,763
$279,900
$277,000
$275,000
$274,900
$277,450
$287,450
$292,000
$294,400
$312,400
$314,900
$313,900
$301,900
$299,900
$299,450
$289,900
$277,450
$274,950
$276,799
$289,900
$294,900
$299,900
$299,950
$300,000
$300,000
Month
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Active Listings
4,154
3,473
3,021
2,844
2,929
3,126
3,665
4,116
4,664
4,708
4,712
4,825
4,799
4,264
3,823
3,499
2,109
3,581
3,752
3,973
4,296
4,393
4,869
5,123
5,159
4,650
4,136
3,927
3,970
4,175
4,407
4,792
4,948
5,166
5,473
5,614
5,727
5,097
4,551
4,469
4,701
4,878
5,258
5,691
5,838
5,868
Median Days on Market
Days on Market
This chart shows the median days on market for active listings over time. In other words: how quickly homes move in the market. A declining rate means rising competition among buyers, while an increase means listings are sitting longer.
Month
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Median Days on Market
47
55
60
52
40
36
33
35
37
41
45
44
44
56
67
67
55
43
37
39
38
37
38
42
44
53
59
48
39
35
32
37
36
41
45
46
51
58
62
53
39
39
39
40
44
45
Market Hotness Score
Market Hotness
Based on Realtor.com's Market Hotness Index, this measure reflects how competitive the housing market is by comparing buyer demand with available inventory. Rising hotness scores point to more competition, while declining scores signal cooling conditions.
Month
Nov 2021
Dec 2021
Jan 2022
Feb 2022
Mar 2022
Apr 2022
May 2022
Jun 2022
Jul 2022
Aug 2022
Sep 2022
Oct 2022
Nov 2022
Dec 2022
Jan 2023
Feb 2023
Mar 2023
Apr 2023
May 2023
Jun 2023
Jul 2023
Aug 2023
Sep 2023
Oct 2023
Nov 2023
Dec 2023
Jan 2024
Feb 2024
Mar 2024
Apr 2024
May 2024
Jun 2024
Jul 2024
Aug 2024
Sep 2024
Oct 2024
Nov 2024
Dec 2024
Jan 2025
Feb 2025
Mar 2025
Apr 2025
May 2025
Jun 2025
Jul 2025
Aug 2025
Hotness Score
48.996656
50
48.327759
42.809365
40.9699
38.12709
45.150502
45.48495
45.652174
60.200669
64.882943
69.899666
74.58194
73.578595
68.227425
50.668896
60.033445
65.886288
64.046823
60.033445
61.87291
66.889632
69.063545
66.38796
70.06689
69.230769
69.899666
67.892977
69.230769
74.247492
73.411371
64.882943
72.575251
72.742475
68.896321
72.073579
70.06689
73.913043
73.578595
71.906355
76.254181
70.568562
69.397993
72.742475
72.240803
73.745819
Pending Homes-for-Sale %
Percentage of Homes Sold per Month
This chart shows the percentage of homes that sold each month, highlighting buyer demand and long-term market trends. In most markets, around 20% of listings selling each month is considered balanced. Higher percentages point to a strong sellers' market, while lower percentages indicate more favorable conditions for buyers.
Largest overall VA lender (purchase and refinance) for six of the last nine years.
More VA purchase loans than any other lender for the past nine consecutive years
Over the last five years, Veterans United made more VA purchase loans than USAA, Navy Federal Credit Union, Rocket Mortgage, Wells Fargo and Freedom Mortgage combined.
VA buyers in the St. Louis area often find good options within a 10 to 25 minute commute of Scott Air Force Base, depending on school preferences and lifestyle needs. In competitive markets, not needing to ask for closing cost assistance can make a VA loan offer more appealing.
John S.Veterans United Network Realty Agent
1-800-985-5723 | 1512 Heriford Road, Columbia, MO 65202. Not affiliated with any government agency including the VA. Missouri Licensed Real Estate Brokerage; for license information, visit VeteransUnitedRealty.com. Equal Housing Opportunity.
Start Your VA Loan With Veterans United
Not sure where to begin? Whether you're stationed nearby or planning to move near St. Louis, we’ll help you understand what to expect.
This is my third time using veterans United and every time it’s been a wonderful experience. Thank you again for the great work!
James A. | Marine Corps
Verified Customer
The whole team was super helpful and were able to answer all my questions and guided me in the right direction.
Nathan B. | Army
Verified Customer
Working with Reed and the Team at Veterans United was exciting and a delight to have a group of top-notch professionals working toward one common goal-our homeownership.Never were there days of frustration or uncertainty working with this amazing team, who often anticipated our needs with a ready so...
Andy A. | Navy
Verified Customer
Allie and her team were the upmost professional team I have ever had the pleasure of dealing with. Highly recommended.
Jeffrey V. | Army
Verified Customer
Brad Quint jumped through a lot of hoops to help me secure a loan and grant when it was available. I had to ask him to run so many quotes and loan estimates that I’ve lost count. If this was any other lender I would have imagined they’d have stopped after the 5th go, but not Brad and VU. I have ...
Clinton S. | Air Force
Verified Customer
My experience with Veterans United was outstanding—the team was professional, knowledgeable, and delivered excellent communication and customer service.
Alexander R. | Army
Verified Customer
Mark, Andrew and the whole team was awesome and ensured to help from start to finish and didn’t give up. Thanks for all the hard work and dedication, your team makes it from a dream to a reality.
Dennis R. | Marine Corps
Verified Customer
This was the best experience I could have ever had home buying everybody was extremely helpful I literally felt like I had a team that all worked in conjunction with each other and anyone person could answer any question I had the staff was very knowledgeable and the whole process was a 10 out of 10...
Tristan B. | Army
Verified Customer
Everything went really well and having all documentation in the app for easy review was great. The team was attentive and informative but not overly aggressive.
Brandy H. | Air Force
Verified Customer
Great people. Supremely helpful. Appreciate all the hard work they did to get us into our new home.
John B. | Air Force
Verified Customer
If you’re looking for a team that goes above and beyond, look no further than Veterans United Home Loans. From start to finish, this entire team had my back like a well-oiled machine. Every time I had a question or needed something done, they didn’t just meet my expectations, they crushed them. ...
Gabriel W. | Army
Verified Customer
You guys ROCK you made it so easy and best of all no stress. Thank You.
Floyd B. | Army
Verified Customer
I recently had the pleasure of working with Aimee Hall and the team at Veterans United Loan for my home loan and was consistently impressed by their professionalism and efficiency.
From the very beginning, Aimee took the time to explain every step of the loan process in detail. My many questions we...
*Unless stated otherwise, data for the metro refers to the CBSA ("Core-Based Statistical Area"), the defined geography that makes up the surrounding metropolitan and micropolitan areas.
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