55076 — Dakota County, Minnesota Market Snapshot
Housing market data for zip code 55076 in Dakota County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$284,848
Days to Sell
33
Homes Sold
25
Inventory
28
Sale-to-List
100.1%
New Listings
49
Price/SqFt
$188
Pending Sales
38
Conforming Loan Available
Most homebuyers in 55076 can comfortably use conventional financing. The median home price of $284,848 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
55076's market is balanced with homes taking an average of 33 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 55076 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 55076 can comfortably use conventional financing. The median home price of $284,848 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 55076 are set at the county level.
2026 Loan Limits — Dakota 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 55076
To purchase the median home at $284,848 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,332.
Monthly Payment
$2,332
Income Required
$99,961
Principal & Interest
$1,755/mo
Down Payment (5%)
$14,242
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 55076.
Estimated Monthly Payment
$1,913
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