64024 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64024 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$247,500
Days to Sell
19
Homes Sold
52
Inventory
N/A
Sale-to-List
0.0%
New Listings
79
Price/SqFt
$157
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64024 can comfortably use conventional financing. The median home price of $247,500 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
Homes in 64024 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 64024 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 64024 can comfortably use conventional financing. The median home price of $247,500 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 64024 are set at the county level.
2026 Loan Limits — Clay 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 64024
To purchase the median home at $247,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,046.
Monthly Payment
$2,046
Income Required
$87,697
Principal & Interest
$1,525/mo
Down Payment (5%)
$12,375
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 64024.
Estimated Monthly Payment
$1,682
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 64024. Tell us what you're looking for.