68521 — Lancaster County, Nebraska Market Snapshot
Housing market data for zip code 68521 in Lancaster County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$239,733
Days to Sell
25
Homes Sold
24
Inventory
16
Sale-to-List
100.3%
New Listings
18
Price/SqFt
$160
Pending Sales
20
Conforming Loan Available
Most homebuyers in 68521 can comfortably use conventional financing. The median home price of $239,733 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
Homes in 68521 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 68521 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68521 can comfortably use conventional financing. The median home price of $239,733 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 68521 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 68521
To purchase the median home at $239,733 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,987.
Monthly Payment
$1,987
Income Required
$85,147
Principal & Interest
$1,477/mo
Down Payment (5%)
$11,987
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 68521.
Estimated Monthly Payment
$1,634
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