64157 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64157 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
107 sales in 2026 (year to date)
Median Sale Price
$475,000
Days to Sell
26
Homes Sold
107
Inventory
N/A
Sale-to-List
0.0%
New Listings
156
Price/SqFt
$187
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64157 can comfortably use conventional financing. The median home price of $475,000 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
Homes in 64157 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64157 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 64157 can comfortably use conventional financing. The median home price of $475,000 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 64157 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 64157
To purchase the median home at $475,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,399
Principal & Interest
$2,927/mo
Down Payment (5%)
$23,750
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 64157.
Estimated Monthly Payment
$3,090
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 64157. Tell us what you're looking for.