63401 — Ralls County, Missouri Market Snapshot
Housing market data for zip code 63401 in Ralls County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$207,500
Days to Sell
55
Homes Sold
70
Inventory
62
Sale-to-List
96.5%
New Listings
86
Price/SqFt
$113
Pending Sales
85
Conforming Loan Available
Most homebuyers in 63401 can comfortably use conventional financing. The median home price of $207,500 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
63401's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 63401 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63401 can comfortably use conventional financing. The median home price of $207,500 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 63401 are set at the county level.
2026 Loan Limits — Ralls 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 63401
To purchase the median home at $207,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,740.
Monthly Payment
$1,740
Income Required
$74,563
Principal & Interest
$1,279/mo
Down Payment (5%)
$10,375
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 63401.
Estimated Monthly Payment
$1,434
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