65251 — Callaway County, Missouri Market Snapshot
Housing market data for zip code 65251 in Callaway County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$249,000
Days to Sell
13
Homes Sold
33
Inventory
36
Sale-to-List
105.8%
New Listings
59
Price/SqFt
$158
Pending Sales
53
Conforming Loan Available
Most homebuyers in 65251 can comfortably use conventional financing. The median home price of $249,000 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
65251 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 65251 are selling 5.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 65251 can comfortably use conventional financing. The median home price of $249,000 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 65251 are set at the county level.
2026 Loan Limits — Callaway 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 65251
To purchase the median home at $249,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,058.
Monthly Payment
$2,058
Income Required
$88,190
Principal & Interest
$1,534/mo
Down Payment (5%)
$12,450
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 65251.
Estimated Monthly Payment
$1,691
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