55045 — Chisago County, Minnesota Market Snapshot
Housing market data for zip code 55045 in Chisago County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$423,750
Days to Sell
27
Homes Sold
36
Inventory
33
Sale-to-List
97.2%
New Listings
60
Price/SqFt
$180
Pending Sales
38
Conforming Loan Available
Most homebuyers in 55045 can comfortably use conventional financing. The median home price of $423,750 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 55045 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 55045 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 55045 can comfortably use conventional financing. The median home price of $423,750 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 55045 are set at the county level.
2026 Loan Limits — Chisago County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $552,000 |
| 2 Units | $1,066,250 | $706,650 |
| 3 Units | $1,288,800 | $854,200 |
| 4 Units | $1,601,750 | $1,061,550 |
Affordability Snapshot — Zip 55045
To purchase the median home at $423,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,397.
Monthly Payment
$3,397
Income Required
$145,570
Principal & Interest
$2,611/mo
Down Payment (5%)
$21,188
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 55045.
Estimated Monthly Payment
$2,773
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