68850 — Gosper County, Nebraska Market Snapshot
Housing market data for zip code 68850 in Gosper County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$210,000
Days to Sell
86
Homes Sold
17
Inventory
42
Sale-to-List
93.8%
New Listings
13
Price/SqFt
$120
Pending Sales
15
Conforming Loan Available
Most homebuyers in 68850 can comfortably use conventional financing. The median home price of $210,000 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 86 days on average, 68850 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 68850 sells for 6.2% below asking price (93.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 68850 can comfortably use conventional financing. The median home price of $210,000 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 68850 are set at the county level.
2026 Loan Limits — Gosper County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 68850
To purchase the median home at $210,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,759.
Monthly Payment
$1,759
Income Required
$75,384
Principal & Interest
$1,294/mo
Down Payment (5%)
$10,500
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 68850.
Estimated Monthly Payment
$1,450
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