63501 — Adair County, Missouri Market Snapshot
Housing market data for zip code 63501 in Adair County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$176,950
Days to Sell
53
Homes Sold
60
Inventory
75
Sale-to-List
100.5%
New Listings
95
Price/SqFt
$112
Pending Sales
67
Conforming Loan Available
Most homebuyers in 63501 can comfortably use conventional financing. The median home price of $176,950 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
63501's market is balanced with homes taking an average of 53 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 63501 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63501 can comfortably use conventional financing. The median home price of $176,950 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 63501 are set at the county level.
2026 Loan Limits — Adair 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 63501
To purchase the median home at $176,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,506.
Monthly Payment
$1,506
Income Required
$64,531
Principal & Interest
$1,090/mo
Down Payment (5%)
$8,848
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 63501.
Estimated Monthly Payment
$1,245
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