68520 — Lancaster County, Nebraska Market Snapshot
Housing market data for zip code 68520 in Lancaster County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$700,500
Days to Sell
159
Homes Sold
14
Inventory
25
Sale-to-List
99.6%
New Listings
27
Price/SqFt
$219
Pending Sales
19
Conforming Loan Available
The median home in 68520 at $700,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 159 days on average, 68520 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
Homes are selling very close to asking price in 68520 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 68520 at $700,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 68520 are set at the county level.
2026 Loan Limits — Lancaster 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 68520
To purchase the median home at $700,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,517.
Monthly Payment
$5,517
Income Required
$236,443
Principal & Interest
$4,316/mo
Down Payment (5%)
$35,025
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 68520.
Estimated Monthly Payment
$4,485
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 68520. Tell us what you're looking for.