65254 — Chariton County, Missouri Market Snapshot
Housing market data for zip code 65254 in Chariton County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Chariton County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$105,699
Days to Sell
160
Homes Sold
2
Inventory
2
Conforming Loan Available
Most homebuyers in 65254 can comfortably use conventional financing. The median home price of $105,699 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 160 days on average, 65254 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 65254 can comfortably use conventional financing. The median home price of $105,699 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 65254 are set at the county level.
2026 Loan Limits — Chariton 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 65254
To purchase the median home at $105,699 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $960.
Monthly Payment
$960
Income Required
$41,136
Principal & Interest
$651/mo
Down Payment (5%)
$5,285
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 65254.
Estimated Monthly Payment
$804
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