64865 — Newton County, Missouri Market Snapshot
Housing market data for zip code 64865 in Newton 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
$229,900
Days to Sell
10
Homes Sold
12
Inventory
18
Sale-to-List
0.0%
New Listings
16
Price/SqFt
$122
Pending Sales
12
Conforming Loan Available
Most homebuyers in 64865 can comfortably use conventional financing. The median home price of $229,900 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
64865 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 64865 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 64865 can comfortably use conventional financing. The median home price of $229,900 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 64865 are set at the county level.
2026 Loan Limits — Newton 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 64865
To purchase the median home at $229,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,911.
Monthly Payment
$1,911
Income Required
$81,918
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,495
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 64865.
Estimated Monthly Payment
$1,573
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