64131 — Jackson County, Missouri Market Snapshot
Housing market data for zip code 64131 in Jackson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
101 sales in 2026 (year to date)
Median Sale Price
$290,000
Days to Sell
20
Homes Sold
101
Inventory
N/A
Sale-to-List
0.0%
New Listings
118
Price/SqFt
$161
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64131 can comfortably use conventional financing. The median home price of $290,000 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
Homes in 64131 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64131 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 64131 can comfortably use conventional financing. The median home price of $290,000 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 64131 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 64131
To purchase the median home at $290,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 64131.
Estimated Monthly Payment
$1,945
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