68504 — Lancaster County, Nebraska Market Snapshot
Housing market data for zip code 68504 in Lancaster County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$198,133
Days to Sell
26
Homes Sold
30
Inventory
15
Sale-to-List
100.9%
New Listings
40
Price/SqFt
$155
Pending Sales
38
Conforming Loan Available
Most homebuyers in 68504 can comfortably use conventional financing. The median home price of $198,133 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
Homes in 68504 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 68504 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68504 can comfortably use conventional financing. The median home price of $198,133 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 68504 are set at the county level.
2026 Loan Limits — Lancaster 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 68504
To purchase the median home at $198,133 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,668.
Monthly Payment
$1,668
Income Required
$71,487
Principal & Interest
$1,221/mo
Down Payment (5%)
$9,907
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 68504.
Estimated Monthly Payment
$1,376
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