63077 — Franklin County, Missouri Market Snapshot
Housing market data for zip code 63077 in Franklin County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$229,000
Days to Sell
34
Homes Sold
23
Inventory
27
Sale-to-List
100.4%
New Listings
39
Price/SqFt
$140
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63077 can comfortably use conventional financing. The median home price of $229,000 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
63077'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
Homes are selling very close to asking price in 63077 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63077 can comfortably use conventional financing. The median home price of $229,000 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 63077 are set at the county level.
2026 Loan Limits — Franklin 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 63077
To purchase the median home at $229,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,905.
Monthly Payment
$1,905
Income Required
$81,623
Principal & Interest
$1,411/mo
Down Payment (5%)
$11,450
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 63077.
Estimated Monthly Payment
$1,567
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 63077. Tell us what you're looking for.