64624 — Ray County, Missouri Market Snapshot
Housing market data for zip code 64624 in Ray County, Missouri. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Ray County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$138,450
Days to Sell
101
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 64624 can comfortably use conventional financing. The median home price of $138,450 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
With homes sitting for 101 days on average, 64624 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 64624 can comfortably use conventional financing. The median home price of $138,450 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 64624 are set at the county level.
2026 Loan Limits — Ray 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 64624
To purchase the median home at $138,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,211.
Monthly Payment
$1,211
Income Required
$51,890
Principal & Interest
$853/mo
Down Payment (5%)
$6,923
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 64624.
Estimated Monthly Payment
$1,007
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 64624. Tell us what you're looking for.