66414 — Osage County, Kansas Market Snapshot
Housing market data for zip code 66414 in Osage County, Kansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$243,705
Days to Sell
32
Homes Sold
12
Inventory
3
Sale-to-List
96.4%
New Listings
12
Price/SqFt
$145
Pending Sales
13
Conforming Loan Available
Most homebuyers in 66414 can comfortably use conventional financing. The median home price of $243,705 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
66414's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 66414 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 66414 can comfortably use conventional financing. The median home price of $243,705 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 66414 are set at the county level.
2026 Loan Limits — Osage 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 66414
To purchase the median home at $243,705 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,017.
Monthly Payment
$2,017
Income Required
$86,451
Principal & Interest
$1,502/mo
Down Payment (5%)
$12,185
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 66414.
Estimated Monthly Payment
$1,658
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