Mortgage lending has hit its highest level since 2022 — and rates are finally giving buyers and sellers some breathing room. Right now, mortgage rates are averaging around 6.6%, with projections suggesting a dip toward 6.3% by early 2026.

For St. Charles County buyers, that means more purchasing power. For current homeowners, it opens the door to refinancing or even moving up into a larger home.

Nationally, home price growth has slowed to about 1% year-over-year. But here in St. Charles County, the story is stronger. Prices remain steady, demand is solid, and with July inventory stalling, well-priced homes are still selling quickly.

In neighborhoods like Dardenne Prairie, buyers are still competing for homes — especially those that are priced right and move-in ready.

Here’s the stat that really stands out: the average U.S. homeowner has $213,000 in tappable equity.

For St. Charles County sellers, that equity creates flexibility. Whether you’re looking to:

• Upsize into a larger home

• Downsize into something easier to maintain

• Or simply cash out

…your equity gives you more options in today’s market.

St. Charles County’s housing market is stable, competitive, and well-positioned heading into the fall season.

👉 If you’ve been waiting to buy or sell in Dardenne Prairie or St. Charles County, now is the time to start planning your move.

I’m Julie Colin — your local Dardenne Prairie Realtor® and your go-to source for real estate and what’s happening around town. Whether you're house hunting or just curious, I’ve got you. 

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📲 Call/Text: 314-307-3968 
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