64725 — Bates County, Missouri Market Snapshot
Housing market data for zip code 64725 in Bates County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$294,900
Days to Sell
45
Homes Sold
15
Inventory
N/A
Sale-to-List
0.0%
New Listings
21
Price/SqFt
$184
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64725 can comfortably use conventional financing. The median home price of $294,900 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
64725's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 64725 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 64725 can comfortably use conventional financing. The median home price of $294,900 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 64725 are set at the county level.
2026 Loan Limits — Bates 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 64725
To purchase the median home at $294,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,409.
Monthly Payment
$2,409
Income Required
$103,261
Principal & Interest
$1,817/mo
Down Payment (5%)
$14,745
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 64725.
Estimated Monthly Payment
$1,975
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 64725. Tell us what you're looking for.