65265 — Audrain County, Missouri Market Snapshot
Housing market data for zip code 65265 in Audrain County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
63 sales in 2026 (year to date)
Median Sale Price
$178,500
Days to Sell
50
Homes Sold
63
Inventory
44
Sale-to-List
94.9%
New Listings
78
Price/SqFt
$130
Pending Sales
66
Conforming Loan Available
Most homebuyers in 65265 can comfortably use conventional financing. The median home price of $178,500 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
65265's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65265 sells for 5.1% below asking price (94.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65265 can comfortably use conventional financing. The median home price of $178,500 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 65265 are set at the county level.
2026 Loan Limits — Audrain 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 65265
To purchase the median home at $178,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,518.
Monthly Payment
$1,518
Income Required
$65,040
Principal & Interest
$1,100/mo
Down Payment (5%)
$8,925
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 65265.
Estimated Monthly Payment
$1,255
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 65265. Tell us what you're looking for.