65610 — Lawrence County, Missouri Market Snapshot
Housing market data for zip code 65610 in Lawrence County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$429,900
Days to Sell
36
Homes Sold
23
Inventory
13
Sale-to-List
0.0%
New Listings
17
Price/SqFt
$177
Pending Sales
19
Conforming Loan Available
Most homebuyers in 65610 can comfortably use conventional financing. The median home price of $429,900 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
65610's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65610 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 65610 can comfortably use conventional financing. The median home price of $429,900 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 65610 are set at the county level.
2026 Loan Limits — Lawrence 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 65610
To purchase the median home at $429,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,444.
Monthly Payment
$3,444
Income Required
$147,590
Principal & Interest
$2,649/mo
Down Payment (5%)
$21,495
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 65610.
Estimated Monthly Payment
$2,811
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