64503 — Buchanan County, Missouri Market Snapshot
Housing market data for zip code 64503 in Buchanan County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$181,000
Days to Sell
16
Homes Sold
30
Inventory
33
Sale-to-List
97.2%
New Listings
53
Price/SqFt
$122
Pending Sales
48
Conforming Loan Available
Most homebuyers in 64503 can comfortably use conventional financing. The median home price of $181,000 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
Homes in 64503 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64503 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 64503 can comfortably use conventional financing. The median home price of $181,000 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 64503 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 64503
To purchase the median home at $181,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,537.
Monthly Payment
$1,537
Income Required
$65,861
Principal & Interest
$1,115/mo
Down Payment (5%)
$9,050
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 64503.
Estimated Monthly Payment
$1,270
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