64850 — McDonald County, Missouri Market Snapshot
Housing market data for zip code 64850 in McDonald County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$229,500
Days to Sell
33
Homes Sold
88
Inventory
76
Sale-to-List
99.3%
New Listings
114
Price/SqFt
$138
Pending Sales
108
Conforming Loan Available
Most homebuyers in 64850 can comfortably use conventional financing. The median home price of $229,500 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
64850's market is balanced with homes taking an average of 33 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 64850 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 64850 can comfortably use conventional financing. The median home price of $229,500 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 64850 are set at the county level.
2026 Loan Limits — McDonald 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 64850
To purchase the median home at $229,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,908.
Monthly Payment
$1,908
Income Required
$81,787
Principal & Interest
$1,414/mo
Down Payment (5%)
$11,475
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 64850.
Estimated Monthly Payment
$1,570
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