55992 — Goodhue County, Minnesota Market Snapshot
Housing market data for zip code 55992 in Goodhue County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$368,000
Days to Sell
38
Homes Sold
19
Inventory
17
Sale-to-List
99.3%
New Listings
31
Price/SqFt
$179
Pending Sales
26
Conforming Loan Available
Most homebuyers in 55992 can comfortably use conventional financing. The median home price of $368,000 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
55992's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 55992 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55992 can comfortably use conventional financing. The median home price of $368,000 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 55992 are set at the county level.
2026 Loan Limits — Goodhue 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 55992
To purchase the median home at $368,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,970.
Monthly Payment
$2,970
Income Required
$127,264
Principal & Interest
$2,268/mo
Down Payment (5%)
$18,400
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 55992.
Estimated Monthly Payment
$2,427
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