64040 — Cass County, Missouri Market Snapshot
Housing market data for zip code 64040 in Cass County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$337,250
Days to Sell
43
Homes Sold
34
Inventory
27
Sale-to-List
95.3%
New Listings
32
Price/SqFt
$184
Pending Sales
32
Conforming Loan Available
Most homebuyers in 64040 can comfortably use conventional financing. The median home price of $337,250 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
64040's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 64040 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 64040 can comfortably use conventional financing. The median home price of $337,250 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 64040 are set at the county level.
2026 Loan Limits — Cass 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 64040
To purchase the median home at $337,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,734.
Monthly Payment
$2,734
Income Required
$117,167
Principal & Interest
$2,078/mo
Down Payment (5%)
$16,863
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 64040.
Estimated Monthly Payment
$2,237
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