68522 — Lancaster County, Nebraska Market Snapshot
Housing market data for zip code 68522 in Lancaster County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$305,724
Days to Sell
18
Homes Sold
44
Inventory
8
Sale-to-List
101.1%
New Listings
43
Price/SqFt
$176
Pending Sales
45
Conforming Loan Available
Most homebuyers in 68522 can comfortably use conventional financing. The median home price of $305,724 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 68522 are moving quickly at 18 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 68522 (101.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68522 can comfortably use conventional financing. The median home price of $305,724 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 68522 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 68522
To purchase the median home at $305,724 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,492.
Monthly Payment
$2,492
Income Required
$106,815
Principal & Interest
$1,884/mo
Down Payment (5%)
$15,286
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 68522.
Estimated Monthly Payment
$2,042
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