68801 — Merrick County, Nebraska Market Snapshot
Housing market data for zip code 68801 in Merrick County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$242,124
Days to Sell
26
Homes Sold
64
Inventory
46
Sale-to-List
99.0%
New Listings
88
Price/SqFt
$117
Pending Sales
88
Conforming Loan Available
Most homebuyers in 68801 can comfortably use conventional financing. The median home price of $242,124 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 68801 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 68801 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68801 can comfortably use conventional financing. The median home price of $242,124 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 68801 are set at the county level.
2026 Loan Limits — Merrick 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 68801
To purchase the median home at $242,124 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,005.
Monthly Payment
$2,005
Income Required
$85,932
Principal & Interest
$1,492/mo
Down Payment (5%)
$12,106
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 68801.
Estimated Monthly Payment
$1,648
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