65248 — Howard County, Missouri Market Snapshot
Housing market data for zip code 65248 in Howard County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$249,000
Days to Sell
108
Homes Sold
11
Inventory
9
Sale-to-List
100.0%
New Listings
17
Price/SqFt
$143
Pending Sales
16
Conforming Loan Available
Most homebuyers in 65248 can comfortably use conventional financing. The median home price of $249,000 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 108 days on average, 65248 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
Homes are selling very close to asking price in 65248 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 65248 can comfortably use conventional financing. The median home price of $249,000 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 65248 are set at the county level.
2026 Loan Limits — Howard 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 65248
To purchase the median home at $249,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,058.
Monthly Payment
$2,058
Income Required
$88,190
Principal & Interest
$1,534/mo
Down Payment (5%)
$12,450
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 65248.
Estimated Monthly Payment
$1,691
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