63857 — Dunklin County, Missouri Market Snapshot
Housing market data for zip code 63857 in Dunklin County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$122,000
Days to Sell
111
Homes Sold
24
Inventory
35
Sale-to-List
96.2%
New Listings
33
Price/SqFt
$79
Pending Sales
30
Conforming Loan Available
Most homebuyers in 63857 can comfortably use conventional financing. The median home price of $122,000 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
With homes sitting for 111 days on average, 63857 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 63857 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63857 can comfortably use conventional financing. The median home price of $122,000 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 63857 are set at the county level.
2026 Loan Limits — Dunklin 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 63857
To purchase the median home at $122,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,085.
Monthly Payment
$1,085
Income Required
$46,488
Principal & Interest
$752/mo
Down Payment (5%)
$6,100
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 63857.
Estimated Monthly Payment
$905
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