65648 — Polk County, Missouri Market Snapshot
Housing market data for zip code 65648 in Polk County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$325,000
Days to Sell
17
Homes Sold
19
Inventory
10
Sale-to-List
90.8%
New Listings
13
Price/SqFt
$204
Pending Sales
13
Conforming Loan Available
Most homebuyers in 65648 can comfortably use conventional financing. The median home price of $325,000 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 65648 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 65648 sells for 9.2% below asking price (90.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65648 can comfortably use conventional financing. The median home price of $325,000 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 65648 are set at the county level.
2026 Loan Limits — Polk 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 65648
To purchase the median home at $325,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,640.
Monthly Payment
$2,640
Income Required
$113,145
Principal & Interest
$2,003/mo
Down Payment (5%)
$16,250
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 65648.
Estimated Monthly Payment
$2,161
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