56633 — Hubbard County, Minnesota Market Snapshot
Housing market data for zip code 56633 in Hubbard County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$139,800
Days to Sell
180
Homes Sold
11
Inventory
26
Sale-to-List
90.6%
New Listings
18
Price/SqFt
$109
Pending Sales
7
Conforming Loan Available
Most homebuyers in 56633 can comfortably use conventional financing. The median home price of $139,800 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
With homes sitting for 180 days on average, 56633 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 56633 sells for 9.4% below asking price (90.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 56633 can comfortably use conventional financing. The median home price of $139,800 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 56633 are set at the county level.
2026 Loan Limits — Hubbard 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 56633
To purchase the median home at $139,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,221.
Monthly Payment
$1,221
Income Required
$52,333
Principal & Interest
$861/mo
Down Payment (5%)
$6,990
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 56633.
Estimated Monthly Payment
$1,015
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