68845 — Kearney County, Nebraska Market Snapshot
Housing market data for zip code 68845 in Kearney County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
31 sales in 2026 (year to date)
Median Sale Price
$368,107
Days to Sell
31
Homes Sold
31
Inventory
19
Sale-to-List
100.1%
New Listings
47
Price/SqFt
$143
Pending Sales
46
Conforming Loan Available
Most homebuyers in 68845 can comfortably use conventional financing. The median home price of $368,107 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
68845's market is balanced with homes taking an average of 31 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 68845 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68845 can comfortably use conventional financing. The median home price of $368,107 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 68845 are set at the county level.
2026 Loan Limits — Kearney 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 68845
To purchase the median home at $368,107 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,970.
Monthly Payment
$2,970
Income Required
$127,299
Principal & Interest
$2,268/mo
Down Payment (5%)
$18,405
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 68845.
Estimated Monthly Payment
$2,428
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