55079 — Chisago County, Minnesota Market Snapshot
Housing market data for zip code 55079 in Chisago County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$453,814
Days to Sell
21
Homes Sold
24
Inventory
16
Sale-to-List
100.8%
New Listings
31
Price/SqFt
$214
Pending Sales
27
Conforming Loan Available
Most homebuyers in 55079 can comfortably use conventional financing. The median home price of $453,814 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 55079 are moving quickly at 21 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 55079 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55079 can comfortably use conventional financing. The median home price of $453,814 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 55079 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 55079
To purchase the median home at $453,814 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,627.
Monthly Payment
$3,627
Income Required
$155,442
Principal & Interest
$2,796/mo
Down Payment (5%)
$22,691
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 55079.
Estimated Monthly Payment
$2,959
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