63935 — Oregon County, Missouri Market Snapshot
Housing market data for zip code 63935 in Oregon County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$216,000
Days to Sell
91
Homes Sold
23
Inventory
51
Sale-to-List
94.6%
New Listings
44
Price/SqFt
$114
Pending Sales
37
Conforming Loan Available
Most homebuyers in 63935 can comfortably use conventional financing. The median home price of $216,000 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 91 days on average, 63935 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 63935 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63935 can comfortably use conventional financing. The median home price of $216,000 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 63935 are set at the county level.
2026 Loan Limits — Oregon 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 63935
To purchase the median home at $216,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,805.
Monthly Payment
$1,805
Income Required
$77,354
Principal & Interest
$1,331/mo
Down Payment (5%)
$10,800
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 63935.
Estimated Monthly Payment
$1,487
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