64085 — Ray County, Missouri Market Snapshot
Housing market data for zip code 64085 in Ray County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$258,900
Days to Sell
19
Homes Sold
37
Inventory
N/A
Sale-to-List
0.0%
New Listings
50
Price/SqFt
$166
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64085 can comfortably use conventional financing. The median home price of $258,900 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 64085 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64085 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 64085 can comfortably use conventional financing. The median home price of $258,900 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 64085 are set at the county level.
2026 Loan Limits — Ray 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 64085
To purchase the median home at $258,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,134.
Monthly Payment
$2,134
Income Required
$91,440
Principal & Interest
$1,595/mo
Down Payment (5%)
$12,945
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 64085.
Estimated Monthly Payment
$1,752
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