56096 — Le Sueur County, Minnesota Market Snapshot
Housing market data for zip code 56096 in Le Sueur County, Minnesota. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$259,900
Days to Sell
65
Homes Sold
17
Inventory
15
Sale-to-List
97.5%
New Listings
23
Price/SqFt
$166
Pending Sales
20
Conforming Loan Available
Most homebuyers in 56096 can comfortably use conventional financing. The median home price of $259,900 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 65 days on average, 56096 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 56096 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 56096 can comfortably use conventional financing. The median home price of $259,900 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 56096 are set at the county level.
2026 Loan Limits — Le Sueur 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 56096
To purchase the median home at $259,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,141.
Monthly Payment
$2,141
Income Required
$91,769
Principal & Interest
$1,601/mo
Down Payment (5%)
$12,995
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 56096.
Estimated Monthly Payment
$1,758
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