64106 — Jackson County, Missouri Market Snapshot
Housing market data for zip code 64106 in Jackson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$210,250
Days to Sell
132
Homes Sold
12
Inventory
N/A
Sale-to-List
0.0%
New Listings
24
Price/SqFt
$234
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64106 can comfortably use conventional financing. The median home price of $210,250 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 132 days on average, 64106 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 64106 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 64106 can comfortably use conventional financing. The median home price of $210,250 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 64106 are set at the county level.
2026 Loan Limits — Jackson 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 64106
To purchase the median home at $210,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,761.
Monthly Payment
$1,761
Income Required
$75,466
Principal & Interest
$1,295/mo
Down Payment (5%)
$10,513
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 64106.
Estimated Monthly Payment
$1,451
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