56376 — Stearns County, Minnesota Market Snapshot
Housing market data for zip code 56376 in Stearns 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 Stearns County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$323,600
Days to Sell
218
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 56376 can comfortably use conventional financing. The median home price of $323,600 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
With homes sitting for 218 days on average, 56376 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 56376 can comfortably use conventional financing. The median home price of $323,600 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 56376 are set at the county level.
2026 Loan Limits — Stearns 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 56376
To purchase the median home at $323,600 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,629.
Monthly Payment
$2,629
Income Required
$112,685
Principal & Interest
$1,994/mo
Down Payment (5%)
$16,180
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 56376.
Estimated Monthly Payment
$2,153
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