64454 — Clinton County, Missouri Market Snapshot
Housing market data for zip code 64454 in Clinton County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$275,000
Days to Sell
51
Homes Sold
13
Inventory
N/A
Sale-to-List
0.0%
New Listings
24
Price/SqFt
$158
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64454 can comfortably use conventional financing. The median home price of $275,000 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
64454's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 64454 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 64454 can comfortably use conventional financing. The median home price of $275,000 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 64454 are set at the county level.
2026 Loan Limits — Clinton 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 64454
To purchase the median home at $275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,727
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 64454.
Estimated Monthly Payment
$1,852
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