57064 — Lincoln County, South Dakota Market Snapshot
Housing market data for zip code 57064 in Lincoln County, South Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$394,500
Days to Sell
94
Homes Sold
33
Inventory
30
Sale-to-List
99.2%
New Listings
40
Price/SqFt
$288
Pending Sales
41
Conforming Loan Available
Most homebuyers in 57064 can comfortably use conventional financing. The median home price of $394,500 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 94 days on average, 57064 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 57064 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 57064 can comfortably use conventional financing. The median home price of $394,500 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 57064 are set at the county level.
2026 Loan Limits — Lincoln 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 57064
To purchase the median home at $394,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,173.
Monthly Payment
$3,173
Income Required
$135,966
Principal & Interest
$2,431/mo
Down Payment (5%)
$19,725
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 57064.
Estimated Monthly Payment
$2,591
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