65631 — Stone County, Missouri Market Snapshot
Housing market data for zip code 65631 in Stone County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$280,000
Days to Sell
45
Homes Sold
33
Inventory
17
Sale-to-List
0.0%
New Listings
30
Price/SqFt
$180
Pending Sales
35
Conforming Loan Available
Most homebuyers in 65631 can comfortably use conventional financing. The median home price of $280,000 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
65631'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
The average home in 65631 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 65631 can comfortably use conventional financing. The median home price of $280,000 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 65631 are set at the county level.
2026 Loan Limits — Stone 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 65631
To purchase the median home at $280,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,295.
Monthly Payment
$2,295
Income Required
$98,369
Principal & Interest
$1,725/mo
Down Payment (5%)
$14,000
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 65631.
Estimated Monthly Payment
$1,883
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 65631. Tell us what you're looking for.