64114 — Jackson County, Missouri Market Snapshot
Housing market data for zip code 64114 in Jackson County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
127 sales in 2026 (year to date)
Median Sale Price
$316,550
Days to Sell
13
Homes Sold
127
Inventory
N/A
Sale-to-List
0.0%
New Listings
167
Price/SqFt
$224
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 64114 can comfortably use conventional financing. The median home price of $316,550 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
64114 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 64114 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 64114 can comfortably use conventional financing. The median home price of $316,550 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 64114 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 64114
To purchase the median home at $316,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,575.
Monthly Payment
$2,575
Income Required
$110,370
Principal & Interest
$1,950/mo
Down Payment (5%)
$15,828
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 64114.
Estimated Monthly Payment
$2,109
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