55786 — Itasca County, Minnesota Market Snapshot
Housing market data for zip code 55786 in Itasca County, Minnesota. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Itasca County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$104,848
Days to Sell
34
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 55786 can comfortably use conventional financing. The median home price of $104,848 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
55786's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 55786 can comfortably use conventional financing. The median home price of $104,848 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 55786 are set at the county level.
2026 Loan Limits — Itasca 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 55786
To purchase the median home at $104,848 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $953.
Monthly Payment
$953
Income Required
$40,856
Principal & Interest
$646/mo
Down Payment (5%)
$5,242
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 55786.
Estimated Monthly Payment
$799
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