56474 — Crow Wing County, Minnesota Market Snapshot
Housing market data for zip code 56474 in Crow Wing County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$272,500
Days to Sell
39
Homes Sold
16
Inventory
26
Sale-to-List
98.1%
New Listings
28
Price/SqFt
$165
Pending Sales
20
Conforming Loan Available
Most homebuyers in 56474 can comfortably use conventional financing. The median home price of $272,500 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
56474's market is balanced with homes taking an average of 39 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 56474 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 56474 can comfortably use conventional financing. The median home price of $272,500 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 56474 are set at the county level.
2026 Loan Limits — Crow Wing 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 56474
To purchase the median home at $272,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,238.
Monthly Payment
$2,238
Income Required
$95,906
Principal & Interest
$1,679/mo
Down Payment (5%)
$13,625
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 56474.
Estimated Monthly Payment
$1,836
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