64465 — Caldwell County, Missouri Market Snapshot
Housing market data for zip code 64465 in Caldwell County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$355,125
Days to Sell
19
Homes Sold
18
Inventory
N/A
Sale-to-List
0.0%
New Listings
20
Price/SqFt
$209
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64465 can comfortably use conventional financing. The median home price of $355,125 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 64465 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64465 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 64465 can comfortably use conventional financing. The median home price of $355,125 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 64465 are set at the county level.
2026 Loan Limits — Caldwell 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 64465
To purchase the median home at $355,125 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,871.
Monthly Payment
$2,871
Income Required
$123,037
Principal & Interest
$2,188/mo
Down Payment (5%)
$17,756
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 64465.
Estimated Monthly Payment
$2,348
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