65613 — Polk County, Missouri Market Snapshot
Housing market data for zip code 65613 in Polk County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$267,500
Days to Sell
37
Homes Sold
69
Inventory
76
Sale-to-List
95.8%
New Listings
110
Price/SqFt
$168
Pending Sales
99
Conforming Loan Available
Most homebuyers in 65613 can comfortably use conventional financing. The median home price of $267,500 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
65613's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65613 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65613 can comfortably use conventional financing. The median home price of $267,500 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 65613 are set at the county level.
2026 Loan Limits — Polk 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 65613
To purchase the median home at $267,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,200.
Monthly Payment
$2,200
Income Required
$94,264
Principal & Interest
$1,648/mo
Down Payment (5%)
$13,375
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 65613.
Estimated Monthly Payment
$1,806
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