64060 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64060 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$449,950
Days to Sell
35
Homes Sold
80
Inventory
N/A
Sale-to-List
0.0%
New Listings
109
Price/SqFt
$192
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64060 can comfortably use conventional financing. The median home price of $449,950 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
64060's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 64060 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 64060 can comfortably use conventional financing. The median home price of $449,950 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 64060 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 64060
To purchase the median home at $449,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,597.
Monthly Payment
$3,597
Income Required
$154,173
Principal & Interest
$2,772/mo
Down Payment (5%)
$22,498
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 64060.
Estimated Monthly Payment
$2,935
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