55322 — Carver County, Minnesota Market Snapshot
Housing market data for zip code 55322 in Carver County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$426,950
Days to Sell
63
Homes Sold
10
Inventory
6
Sale-to-List
99.5%
New Listings
16
Price/SqFt
$254
Pending Sales
18
Conforming Loan Available
Most homebuyers in 55322 can comfortably use conventional financing. The median home price of $426,950 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 63 days on average, 55322 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
Homes are selling very close to asking price in 55322 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55322 can comfortably use conventional financing. The median home price of $426,950 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 55322 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 55322
To purchase the median home at $426,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,421.
Monthly Payment
$3,421
Income Required
$146,621
Principal & Interest
$2,631/mo
Down Payment (5%)
$21,348
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 55322.
Estimated Monthly Payment
$2,792
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