65233 — Cooper County, Missouri Market Snapshot
Housing market data for zip code 65233 in Cooper County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$249,500
Days to Sell
34
Homes Sold
31
Inventory
33
Sale-to-List
0.0%
New Listings
58
Price/SqFt
$146
Pending Sales
39
Conforming Loan Available
Most homebuyers in 65233 can comfortably use conventional financing. The median home price of $249,500 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
65233's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65233 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 65233 can comfortably use conventional financing. The median home price of $249,500 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 65233 are set at the county level.
2026 Loan Limits — Cooper 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 65233
To purchase the median home at $249,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,062.
Monthly Payment
$2,062
Income Required
$88,354
Principal & Interest
$1,537/mo
Down Payment (5%)
$12,475
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 65233.
Estimated Monthly Payment
$1,694
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