64117 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64117 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$232,000
Days to Sell
12
Homes Sold
55
Inventory
N/A
Sale-to-List
0.0%
New Listings
48
Price/SqFt
$172
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64117 can comfortably use conventional financing. The median home price of $232,000 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
64117 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 64117 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 64117 can comfortably use conventional financing. The median home price of $232,000 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 64117 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 64117
To purchase the median home at $232,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,928.
Monthly Payment
$1,928
Income Required
$82,608
Principal & Interest
$1,430/mo
Down Payment (5%)
$11,600
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 64117.
Estimated Monthly Payment
$1,586
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