69138 — Dawson County, Nebraska Market Snapshot
Housing market data for zip code 69138 in Dawson County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$164,614
Days to Sell
33
Homes Sold
14
Inventory
17
Sale-to-List
95.5%
New Listings
20
Price/SqFt
$86
Pending Sales
17
Conforming Loan Available
Most homebuyers in 69138 can comfortably use conventional financing. The median home price of $164,614 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
69138'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
The average home in 69138 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 69138 can comfortably use conventional financing. The median home price of $164,614 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 69138 are set at the county level.
2026 Loan Limits — Dawson County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $603,750 |
| 2 Units | $1,066,250 | $772,900 |
| 3 Units | $1,288,800 | $934,250 |
| 4 Units | $1,601,750 | $1,161,050 |
Affordability Snapshot — Zip 69138
To purchase the median home at $164,614 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,411.
Monthly Payment
$1,411
Income Required
$60,481
Principal & Interest
$1,014/mo
Down Payment (5%)
$8,231
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 69138.
Estimated Monthly Payment
$1,169
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