64105 — Jackson County, Missouri Market Snapshot
Housing market data for zip code 64105 in Jackson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$199,900
Days to Sell
67
Homes Sold
17
Inventory
N/A
Sale-to-List
0.0%
New Listings
34
Price/SqFt
$242
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64105 can comfortably use conventional financing. The median home price of $199,900 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 67 days on average, 64105 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 64105 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 64105 can comfortably use conventional financing. The median home price of $199,900 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 64105 are set at the county level.
2026 Loan Limits — Jackson 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 64105
To purchase the median home at $199,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,682.
Monthly Payment
$1,682
Income Required
$72,067
Principal & Interest
$1,232/mo
Down Payment (5%)
$9,995
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 64105.
Estimated Monthly Payment
$1,387
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