55044 — Scott County, Minnesota Market Snapshot
Housing market data for zip code 55044 in Scott County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$373,498
Days to Sell
39
Homes Sold
46
Inventory
62
Sale-to-List
98.8%
New Listings
94
Price/SqFt
$188
Pending Sales
57
Conforming Loan Available
Most homebuyers in 55044 can comfortably use conventional financing. The median home price of $373,498 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
55044's market is balanced with homes taking an average of 39 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 55044 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55044 can comfortably use conventional financing. The median home price of $373,498 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 55044 are set at the county level.
2026 Loan Limits — Scott 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 55044
To purchase the median home at $373,498 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,012.
Monthly Payment
$3,012
Income Required
$129,070
Principal & Interest
$2,301/mo
Down Payment (5%)
$18,675
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 55044.
Estimated Monthly Payment
$2,461
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