64119 — Clay County, Missouri Market Snapshot
Housing market data for zip code 64119 in Clay County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$205,900
Days to Sell
37
Homes Sold
18
Inventory
N/A
Sale-to-List
0.0%
New Listings
15
Price/SqFt
$148
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64119 can comfortably use conventional financing. The median home price of $205,900 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
64119'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
The average home in 64119 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 64119 can comfortably use conventional financing. The median home price of $205,900 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 64119 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 64119
To purchase the median home at $205,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,728.
Monthly Payment
$1,728
Income Required
$74,037
Principal & Interest
$1,269/mo
Down Payment (5%)
$10,295
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 64119.
Estimated Monthly Payment
$1,424
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