63764 — Cape Girardeau County, Missouri Market Snapshot
Housing market data for zip code 63764 in Cape Girardeau County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$140,950
Days to Sell
96
Homes Sold
16
Inventory
15
Sale-to-List
92.7%
New Listings
21
Price/SqFt
$97
Pending Sales
18
Conforming Loan Available
Most homebuyers in 63764 can comfortably use conventional financing. The median home price of $140,950 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
With homes sitting for 96 days on average, 63764 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 63764 sells for 7.3% below asking price (92.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63764 can comfortably use conventional financing. The median home price of $140,950 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 63764 are set at the county level.
2026 Loan Limits — Cape Girardeau 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 63764
To purchase the median home at $140,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,230.
Monthly Payment
$1,230
Income Required
$52,711
Principal & Interest
$868/mo
Down Payment (5%)
$7,048
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 63764.
Estimated Monthly Payment
$1,022
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