68516 — Lancaster County, Nebraska Market Snapshot
Housing market data for zip code 68516 in Lancaster County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
164 sales in 2026 (year to date)
Median Sale Price
$403,164
Days to Sell
22
Homes Sold
164
Inventory
76
Sale-to-List
102.4%
New Listings
203
Price/SqFt
$173
Pending Sales
151
Conforming Loan Available
Most homebuyers in 68516 can comfortably use conventional financing. The median home price of $403,164 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 68516 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 68516 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 68516 can comfortably use conventional financing. The median home price of $403,164 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 68516 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 68516
To purchase the median home at $403,164 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,239.
Monthly Payment
$3,239
Income Required
$138,811
Principal & Interest
$2,484/mo
Down Payment (5%)
$20,158
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 68516.
Estimated Monthly Payment
$2,645
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