64138 — Jackson County, Missouri Market Snapshot
Housing market data for zip code 64138 in Jackson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
104 sales in 2026 (year to date)
Median Sale Price
$236,325
Days to Sell
24
Homes Sold
104
Inventory
N/A
Sale-to-List
0.0%
New Listings
120
Price/SqFt
$136
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64138 can comfortably use conventional financing. The median home price of $236,325 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 64138 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64138 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 64138 can comfortably use conventional financing. The median home price of $236,325 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 64138 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 64138
To purchase the median home at $236,325 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,961.
Monthly Payment
$1,961
Income Required
$84,028
Principal & Interest
$1,456/mo
Down Payment (5%)
$11,816
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 64138.
Estimated Monthly Payment
$1,613
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