63780 — Scott County, Missouri Market Snapshot
Housing market data for zip code 63780 in Scott County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$172,500
Days to Sell
40
Homes Sold
12
Inventory
12
Sale-to-List
96.7%
New Listings
16
Price/SqFt
$106
Pending Sales
17
Conforming Loan Available
Most homebuyers in 63780 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
63780's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 63780 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 63780 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 63780 are set at the county level.
2026 Loan Limits — Scott 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 63780
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 63780.
Estimated Monthly Payment
$1,218
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