56378 — Todd County, Minnesota Market Snapshot
Housing market data for zip code 56378 in Todd County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$284,900
Days to Sell
115
Homes Sold
21
Inventory
22
Sale-to-List
96.3%
New Listings
29
Price/SqFt
$160
Pending Sales
26
Conforming Loan Available
Most homebuyers in 56378 can comfortably use conventional financing. The median home price of $284,900 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 115 days on average, 56378 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 56378 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 56378 can comfortably use conventional financing. The median home price of $284,900 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 56378 are set at the county level.
2026 Loan Limits — Todd 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 56378
To purchase the median home at $284,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,333.
Monthly Payment
$2,333
Income Required
$99,978
Principal & Interest
$1,755/mo
Down Payment (5%)
$14,245
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 56378.
Estimated Monthly Payment
$1,913
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