64077 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64077 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Clay County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$321,983
Days to Sell
9
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 64077 can comfortably use conventional financing. The median home price of $321,983 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
64077 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 64077 can comfortably use conventional financing. The median home price of $321,983 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 64077 are set at the county level.
2026 Loan Limits — Clay 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 64077
To purchase the median home at $321,983 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,617.
Monthly Payment
$2,617
Income Required
$112,154
Principal & Interest
$1,984/mo
Down Payment (5%)
$16,099
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 64077.
Estimated Monthly Payment
$2,143
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