65109 — Cole County, Missouri Market Snapshot
Housing market data for zip code 65109 in Cole County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
138 sales in 2026 (year to date)
Median Sale Price
$299,900
Days to Sell
8
Homes Sold
138
Inventory
51
Sale-to-List
105.9%
New Listings
174
Price/SqFt
$144
Pending Sales
160
Conforming Loan Available
Most homebuyers in 65109 can comfortably use conventional financing. The median home price of $299,900 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
65109 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 65109 are selling 5.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 65109 can comfortably use conventional financing. The median home price of $299,900 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 65109 are set at the county level.
2026 Loan Limits — Cole 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 65109
To purchase the median home at $299,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,448.
Monthly Payment
$2,448
Income Required
$104,903
Principal & Interest
$1,848/mo
Down Payment (5%)
$14,995
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 65109.
Estimated Monthly Payment
$2,006
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