65622 — Polk County, Missouri Market Snapshot
Housing market data for zip code 65622 in Polk County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$295,000
Days to Sell
70
Homes Sold
21
Inventory
32
Sale-to-List
0.0%
New Listings
44
Price/SqFt
$157
Pending Sales
31
Conforming Loan Available
Most homebuyers in 65622 can comfortably use conventional financing. The median home price of $295,000 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
With homes sitting for 70 days on average, 65622 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 65622 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 65622 can comfortably use conventional financing. The median home price of $295,000 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 65622 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 65622
To purchase the median home at $295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,294
Principal & Interest
$1,818/mo
Down Payment (5%)
$14,750
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 65622.
Estimated Monthly Payment
$1,976
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