55069 — Chisago County, Minnesota Market Snapshot
Housing market data for zip code 55069 in Chisago County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$328,250
Days to Sell
26
Homes Sold
26
Inventory
18
Sale-to-List
100.0%
New Listings
40
Price/SqFt
$189
Pending Sales
33
Conforming Loan Available
Most homebuyers in 55069 can comfortably use conventional financing. The median home price of $328,250 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 55069 are moving quickly at 26 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 55069 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55069 can comfortably use conventional financing. The median home price of $328,250 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 55069 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 55069
To purchase the median home at $328,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,665.
Monthly Payment
$2,665
Income Required
$114,212
Principal & Interest
$2,023/mo
Down Payment (5%)
$16,413
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 55069.
Estimated Monthly Payment
$2,181
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