68701 — Madison County, Nebraska Market Snapshot
Housing market data for zip code 68701 in Madison County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$262,000
Days to Sell
34
Homes Sold
85
Inventory
75
Sale-to-List
98.8%
New Listings
110
Price/SqFt
$142
Pending Sales
96
Conforming Loan Available
Most homebuyers in 68701 can comfortably use conventional financing. The median home price of $262,000 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
68701's market is balanced with homes taking an average of 34 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 68701 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68701 can comfortably use conventional financing. The median home price of $262,000 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 68701 are set at the county level.
2026 Loan Limits — Madison 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 68701
To purchase the median home at $262,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,458
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,100
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 68701.
Estimated Monthly Payment
$1,771
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