55055 — Washington County, Minnesota Market Snapshot
Housing market data for zip code 55055 in Washington County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$411,250
Days to Sell
54
Homes Sold
10
Inventory
7
Sale-to-List
98.1%
New Listings
15
Price/SqFt
$172
Pending Sales
9
Conforming Loan Available
Most homebuyers in 55055 can comfortably use conventional financing. The median home price of $411,250 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
55055's market is balanced with homes taking an average of 54 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 55055 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55055 can comfortably use conventional financing. The median home price of $411,250 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 55055 are set at the county level.
2026 Loan Limits — Washington 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 55055
To purchase the median home at $411,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,301.
Monthly Payment
$3,301
Income Required
$141,466
Principal & Interest
$2,534/mo
Down Payment (5%)
$20,563
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 55055.
Estimated Monthly Payment
$2,695
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