64505 — Andrew County, Missouri Market Snapshot
Housing market data for zip code 64505 in Andrew County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$205,000
Days to Sell
39
Homes Sold
41
Inventory
38
Sale-to-List
98.2%
New Listings
57
Price/SqFt
$123
Pending Sales
52
Conforming Loan Available
Most homebuyers in 64505 can comfortably use conventional financing. The median home price of $205,000 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
64505's market is balanced with homes taking an average of 39 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 64505 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 64505 can comfortably use conventional financing. The median home price of $205,000 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 64505 are set at the county level.
2026 Loan Limits — Andrew 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 64505
To purchase the median home at $205,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,721.
Monthly Payment
$1,721
Income Required
$73,742
Principal & Interest
$1,263/mo
Down Payment (5%)
$10,250
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 64505.
Estimated Monthly Payment
$1,419
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 64505. Tell us what you're looking for.