63068 — Franklin County, Missouri Market Snapshot
Housing market data for zip code 63068 in Franklin County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$249,950
Days to Sell
40
Homes Sold
16
Inventory
15
Sale-to-List
100.6%
New Listings
16
Price/SqFt
$176
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 63068 can comfortably use conventional financing. The median home price of $249,950 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
63068's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 63068 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 63068 can comfortably use conventional financing. The median home price of $249,950 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 63068 are set at the county level.
2026 Loan Limits — Franklin 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 63068
To purchase the median home at $249,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,501
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,498
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 63068.
Estimated Monthly Payment
$1,697
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