65340 — Saline County, Missouri Market Snapshot
Housing market data for zip code 65340 in Saline County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$172,500
Days to Sell
65
Homes Sold
35
Inventory
45
Sale-to-List
96.0%
New Listings
50
Price/SqFt
$135
Pending Sales
46
Conforming Loan Available
Most homebuyers in 65340 can comfortably use conventional financing. The median home price of $172,500 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
With homes sitting for 65 days on average, 65340 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 65340 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65340 can comfortably use conventional financing. The median home price of $172,500 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 65340 are set at the county level.
2026 Loan Limits — Saline 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 65340
To purchase the median home at $172,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,472.
Monthly Payment
$1,472
Income Required
$63,070
Principal & Interest
$1,063/mo
Down Payment (5%)
$8,625
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 65340.
Estimated Monthly Payment
$1,218
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