63755 — Cape Girardeau County, Missouri Market Snapshot
Housing market data for zip code 63755 in Cape Girardeau County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
100 sales in 2026 (year to date)
Median Sale Price
$294,750
Days to Sell
37
Homes Sold
100
Inventory
73
Sale-to-List
98.5%
New Listings
144
Price/SqFt
$152
Pending Sales
118
Conforming Loan Available
Most homebuyers in 63755 can comfortably use conventional financing. The median home price of $294,750 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
63755's market is balanced with homes taking an average of 37 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 63755 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63755 can comfortably use conventional financing. The median home price of $294,750 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 63755 are set at the county level.
2026 Loan Limits — Cape Girardeau 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 63755
To purchase the median home at $294,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,408.
Monthly Payment
$2,408
Income Required
$103,212
Principal & Interest
$1,816/mo
Down Payment (5%)
$14,738
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 63755.
Estimated Monthly Payment
$1,974
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