63456 — Ralls County, Missouri Market Snapshot
Housing market data for zip code 63456 in Ralls County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$158,500
Days to Sell
45
Homes Sold
13
Inventory
21
Sale-to-List
98.6%
New Listings
22
Price/SqFt
$136
Pending Sales
20
Conforming Loan Available
Most homebuyers in 63456 can comfortably use conventional financing. The median home price of $158,500 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
63456's market is balanced with homes taking an average of 45 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 63456 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63456 can comfortably use conventional financing. The median home price of $158,500 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 63456 are set at the county level.
2026 Loan Limits — Ralls 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 63456
To purchase the median home at $158,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,364.
Monthly Payment
$1,364
Income Required
$58,473
Principal & Interest
$977/mo
Down Payment (5%)
$7,925
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 63456.
Estimated Monthly Payment
$1,131
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