67005 — Cowley County, Kansas Market Snapshot
Housing market data for zip code 67005 in Cowley County, Kansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$162,250
Days to Sell
59
Homes Sold
36
Inventory
47
Sale-to-List
95.1%
New Listings
53
Price/SqFt
$97
Pending Sales
40
Conforming Loan Available
Most homebuyers in 67005 can comfortably use conventional financing. The median home price of $162,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
67005's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 67005 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 67005 can comfortably use conventional financing. The median home price of $162,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 67005 are set at the county level.
2026 Loan Limits — Cowley County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 67005
To purchase the median home at $162,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,393.
Monthly Payment
$1,393
Income Required
$59,705
Principal & Interest
$1,000/mo
Down Payment (5%)
$8,113
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 67005.
Estimated Monthly Payment
$1,154
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