65270 — Monroe County, Missouri Market Snapshot
Housing market data for zip code 65270 in Monroe County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$163,450
Days to Sell
41
Homes Sold
60
Inventory
35
Sale-to-List
95.6%
New Listings
68
Price/SqFt
$137
Pending Sales
82
Conforming Loan Available
Most homebuyers in 65270 can comfortably use conventional financing. The median home price of $163,450 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
65270's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65270 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65270 can comfortably use conventional financing. The median home price of $163,450 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 65270 are set at the county level.
2026 Loan Limits — Monroe 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 65270
To purchase the median home at $163,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,402.
Monthly Payment
$1,402
Income Required
$60,099
Principal & Interest
$1,007/mo
Down Payment (5%)
$8,173
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 65270.
Estimated Monthly Payment
$1,162
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