55315 — Carver County, Minnesota Market Snapshot
Housing market data for zip code 55315 in Carver County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$527,000
Days to Sell
21
Homes Sold
36
Inventory
33
Sale-to-List
98.2%
New Listings
54
Price/SqFt
$213
Pending Sales
29
Conforming Loan Available
Most homebuyers in 55315 can comfortably use conventional financing. The median home price of $527,000 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
Homes in 55315 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 55315 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55315 can comfortably use conventional financing. The median home price of $527,000 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 55315 are set at the county level.
2026 Loan Limits — Carver County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $552,000 |
| 2 Units | $1,066,250 | $706,650 |
| 3 Units | $1,288,800 | $854,200 |
| 4 Units | $1,601,750 | $1,061,550 |
Affordability Snapshot — Zip 55315
To purchase the median home at $527,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,188.
Monthly Payment
$4,188
Income Required
$179,473
Principal & Interest
$3,247/mo
Down Payment (5%)
$26,350
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 55315.
Estimated Monthly Payment
$3,411
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