64078 — Cass County, Missouri Market Snapshot
Housing market data for zip code 64078 in Cass County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$379,000
Days to Sell
36
Homes Sold
49
Inventory
N/A
Sale-to-List
0.0%
New Listings
57
Price/SqFt
$192
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64078 can comfortably use conventional financing. The median home price of $379,000 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
64078's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 64078 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 64078 can comfortably use conventional financing. The median home price of $379,000 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 64078 are set at the county level.
2026 Loan Limits — Cass 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 64078
To purchase the median home at $379,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,054.
Monthly Payment
$3,054
Income Required
$130,876
Principal & Interest
$2,335/mo
Down Payment (5%)
$18,950
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 64078.
Estimated Monthly Payment
$2,496
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