67156 — Cowley County, Kansas Market Snapshot
Housing market data for zip code 67156 in Cowley County, Kansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$120,000
Days to Sell
94
Homes Sold
37
Inventory
44
Sale-to-List
94.2%
New Listings
71
Price/SqFt
$93
Pending Sales
55
Conforming Loan Available
Most homebuyers in 67156 can comfortably use conventional financing. The median home price of $120,000 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 94 days on average, 67156 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 67156 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 67156 can comfortably use conventional financing. The median home price of $120,000 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 67156 are set at the county level.
2026 Loan Limits — Cowley 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 67156
To purchase the median home at $120,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,069.
Monthly Payment
$1,069
Income Required
$45,831
Principal & Interest
$739/mo
Down Payment (5%)
$6,000
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 67156.
Estimated Monthly Payment
$893
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