68901 — Clay County, Nebraska Market Snapshot
Housing market data for zip code 68901 in Clay County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$223,344
Days to Sell
35
Homes Sold
80
Inventory
62
Sale-to-List
100.2%
New Listings
111
Price/SqFt
$111
Pending Sales
103
Conforming Loan Available
Most homebuyers in 68901 can comfortably use conventional financing. The median home price of $223,344 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
68901's market is balanced with homes taking an average of 35 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 68901 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68901 can comfortably use conventional financing. The median home price of $223,344 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 68901 are set at the county level.
2026 Loan Limits — Clay 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 68901
To purchase the median home at $223,344 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,861.
Monthly Payment
$1,861
Income Required
$79,765
Principal & Interest
$1,376/mo
Down Payment (5%)
$11,167
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 68901.
Estimated Monthly Payment
$1,532
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