63362 — Lincoln County, Missouri Market Snapshot
Housing market data for zip code 63362 in Lincoln County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$335,154
Days to Sell
20
Homes Sold
49
Inventory
30
Sale-to-List
100.7%
New Listings
67
Price/SqFt
$223
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63362 can comfortably use conventional financing. The median home price of $335,154 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 63362 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 63362 (100.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63362 can comfortably use conventional financing. The median home price of $335,154 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 63362 are set at the county level.
2026 Loan Limits — Lincoln 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 63362
To purchase the median home at $335,154 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,718.
Monthly Payment
$2,718
Income Required
$116,479
Principal & Interest
$2,065/mo
Down Payment (5%)
$16,758
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 63362.
Estimated Monthly Payment
$2,224
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