65652 — Douglas County, Missouri Market Snapshot
Housing market data for zip code 65652 in Douglas County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$365,000
Days to Sell
91
Homes Sold
13
Inventory
10
Sale-to-List
0.0%
New Listings
23
Price/SqFt
$174
Pending Sales
17
Conforming Loan Available
Most homebuyers in 65652 can comfortably use conventional financing. The median home price of $365,000 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 91 days on average, 65652 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 65652 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 65652 can comfortably use conventional financing. The median home price of $365,000 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 65652 are set at the county level.
2026 Loan Limits — Douglas 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 65652
To purchase the median home at $365,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,947.
Monthly Payment
$2,947
Income Required
$126,279
Principal & Interest
$2,249/mo
Down Payment (5%)
$18,250
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 65652.
Estimated Monthly Payment
$2,409
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