55046 — Rice County, Minnesota Market Snapshot
Housing market data for zip code 55046 in Rice County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$385,350
Days to Sell
18
Homes Sold
28
Inventory
9
Sale-to-List
98.4%
New Listings
36
Price/SqFt
$182
Pending Sales
30
Conforming Loan Available
Most homebuyers in 55046 can comfortably use conventional financing. The median home price of $385,350 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 55046 are moving quickly at 18 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 55046 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55046 can comfortably use conventional financing. The median home price of $385,350 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 55046 are set at the county level.
2026 Loan Limits — Rice 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 55046
To purchase the median home at $385,350 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,102.
Monthly Payment
$3,102
Income Required
$132,961
Principal & Interest
$2,374/mo
Down Payment (5%)
$19,268
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 55046.
Estimated Monthly Payment
$2,535
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