64501 — Buchanan County, Missouri Market Snapshot
Housing market data for zip code 64501 in Buchanan County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$138,500
Days to Sell
23
Homes Sold
32
Inventory
43
Sale-to-List
95.7%
New Listings
55
Price/SqFt
$109
Pending Sales
50
Conforming Loan Available
Most homebuyers in 64501 can comfortably use conventional financing. The median home price of $138,500 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
Homes in 64501 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64501 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 64501 can comfortably use conventional financing. The median home price of $138,500 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 64501 are set at the county level.
2026 Loan Limits — Buchanan 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 64501
To purchase the median home at $138,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,211.
Monthly Payment
$1,211
Income Required
$51,906
Principal & Interest
$853/mo
Down Payment (5%)
$6,925
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 64501.
Estimated Monthly Payment
$1,007
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