56465 — Crow Wing County, Minnesota Market Snapshot
Housing market data for zip code 56465 in Crow Wing County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$627,740
Days to Sell
8
Homes Sold
13
Inventory
9
Sale-to-List
100.6%
New Listings
15
Price/SqFt
$295
Pending Sales
14
Conforming Loan Available
Most homebuyers in 56465 can comfortably use conventional financing. The median home price of $627,740 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
56465 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 56465 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 56465 can comfortably use conventional financing. The median home price of $627,740 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 56465 are set at the county level.
2026 Loan Limits — Crow Wing 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 56465
To purchase the median home at $627,740 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,960.
Monthly Payment
$4,960
Income Required
$212,552
Principal & Interest
$3,868/mo
Down Payment (5%)
$31,387
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 56465.
Estimated Monthly Payment
$4,035
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