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Featured local agent — Loch Lloyd, MO
Sarah Mitchell
Compass Real Estate · Loch Lloyd, MO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Loch Lloyd, MO Housing Market
The last median sale price Redfin published was $1.08M, +60.2% year over year (through May 2026). With 5.0 months of supply and homes going under contract in about 141 days, Loch Lloyd is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $1.08M home is about $5,771/mo in principal and interest.
Key numbers for Loch Lloyd, MO
Median sale price
$1.08M
+60.2% year over year
Redfin, through May 2026
Days on market
141
Slow-moving
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$164,464
Home costs 6.6x income
U.S. Census ACS, 2023
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Loch Lloyd a buyer's or seller's market?
Loch Lloyd, MO is a leaning buyer's, based on 5.0 months of supply and homes selling in about 141 days. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Loch Lloyd housing market data show?
Every row below is Redfin's final published month for Loch Lloyd, MO. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $1.08M |
| Median list price | $3.50M |
| Year-over-year price change | +60.2% |
| Median price per sq ft | $225/sq ft |
| Median days on market | 141 days |
| Months of supply | 5.0 months |
| Homes sold (that month) | 2 |
| New listings (that month) | 3 |
| Listings with a price cut | 50.0% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Loch Lloyd is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Loch Lloyd is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Loch Lloyd home prices moved?
Over the last three years the median sale price in Loch Lloyd, MO fell 35.1%, from $1.67M to $1.08M. 50.0% of Loch Lloyd listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Loch Lloyd?
Priced off the median sale price of $1.08M at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $216,200 | $864,800 | $5,771/mo |
| 5% | $54,050 | $1.03M | $6,853/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $5,771, that implies roughly $247,327 a year before you add taxes and insurance. The median household in Loch Lloyd earns $164,464, about $82,863 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 6.6x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Loch Lloyd in the next 12 months?
Tell us your timeline. We send the Loch Lloyd market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Loch Lloyd?
Zillow does not publish a rent index (ZORI) for Loch Lloyd, MO, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Loch Lloyd?
We hold fewer than two months of inventory readings for Loch Lloyd, MO, so there is no trend to report yet.
How does Loch Lloyd compare to Missouri and the U.S.?
Loch Lloyd homes sell for $1.08M — 263% above the Missouri median of $297,500. Against the national median of $410,700, Loch Lloyd runs 163% higher. Year-over-year, Loch Lloyd moved +60.2% against Missouri's +4.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Loch Lloyd, MO | $1.08M | +60.2% | 141 days |
| Missouri statewide | $297,500 | +4.6% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Loch Lloyd
What buyers should watch
- Months of supply, currently 5.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 50.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $1,082 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $1.08M home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Loch Lloyd listing goes under contract in 141 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Loch Lloyd added 3 new listings against 2 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside Loch Lloyd varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Loch Lloyd
Explore homes currently listed for sale in Loch Lloyd, Missouri across major real estate platforms.
How much do homes cost in Loch Lloyd by property type?
How the Loch Lloyd, MO market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.08M | $225/sq ft | 2 | 141 days |
Who lives in Loch Lloyd?
American Community Survey estimates for Loch Lloyd. U.S. Census ACS, 2023
Population
815
Households
363
Median income
$164,464/yr
Median age
59.4 years
Owner-occupied
100.0%
Median home value
$1.00M
Mean commute
32.4 min
100.0% of occupied homes in Loch Lloyd are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Loch Lloyd, MO?
Ordered by distance from Loch Lloyd, not by size. Compare Loch Lloyd side by side with any of them.
Loch Lloyd housing market FAQ
Is Loch Lloyd a buyer's or seller's market?
Loch Lloyd, MO is currently a leaning buyer's. That read comes from 5.0 months of supply, homes going under contract in about 141 days in the last month Redfin published (May 2026).
How much do homes cost in Loch Lloyd?
The median sale price in the last month Redfin published was $1.08M, about $225 per square foot.
Is Loch Lloyd cheaper than the rest of Missouri?
Loch Lloyd's median sale price of $1.08M is 263% higher than the Missouri statewide median of $297,500, and 163% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Loch Lloyd?
Homes in Loch Lloyd, MO spent a median of 141 days on market before going under contract, versus 27 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Loch Lloyd?
At the current 30-year fixed rate of 7.03%, 20% down on a $1.08M home is about $5,771 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $247,327 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $164,464.
Are home prices rising in Loch Lloyd?
Redfin's last published year-over-year change for Loch Lloyd, MO was +60.2%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Loch Lloyd?
Loch Lloyd ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Loch Lloyd?
That depends on your timeline, not on a headline. What the data says today: Loch Lloyd, MO is a leaning buyer's with 5.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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