65714 — Stone County, Missouri Market Snapshot
Housing market data for zip code 65714 in Stone County, Missouri. Updated monthly with median prices, days on market, and more.
Market Sales Data
195 sales in 2026 (year to date)
Median Sale Price
$343,900
Days to Sell
30
Homes Sold
195
Inventory
122
Sale-to-List
95.7%
New Listings
235
Price/SqFt
$170
Pending Sales
209
Conforming Loan Available
Most homebuyers in 65714 can comfortably use conventional financing. The median home price of $343,900 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
65714's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 65714 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 65714 can comfortably use conventional financing. The median home price of $343,900 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 65714 are set at the county level.
2026 Loan Limits — Stone 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 65714
To purchase the median home at $343,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,785.
Monthly Payment
$2,785
Income Required
$119,351
Principal & Interest
$2,119/mo
Down Payment (5%)
$17,195
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 65714.
Estimated Monthly Payment
$2,278
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