65322 — Cooper County, Missouri Market Snapshot
Housing market data for zip code 65322 in Cooper County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Cooper County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$180,000
Days to Sell
67
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 65322 can comfortably use conventional financing. The median home price of $180,000 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 67 days on average, 65322 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 65322 can comfortably use conventional financing. The median home price of $180,000 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 65322 are set at the county level.
2026 Loan Limits — Cooper 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 65322
To purchase the median home at $180,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,529.
Monthly Payment
$1,529
Income Required
$65,533
Principal & Interest
$1,109/mo
Down Payment (5%)
$9,000
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 65322.
Estimated Monthly Payment
$1,264
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