68347 — Otoe County, Nebraska Market Snapshot
Housing market data for zip code 68347 in Otoe County, Nebraska. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$340,267
Days to Sell
6
Homes Sold
12
Inventory
4
Sale-to-List
100.6%
New Listings
15
Price/SqFt
$181
Pending Sales
15
Conforming Loan Available
Most homebuyers in 68347 can comfortably use conventional financing. The median home price of $340,267 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
68347 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 68347 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 68347 can comfortably use conventional financing. The median home price of $340,267 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 68347 are set at the county level.
2026 Loan Limits — Otoe 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 68347
To purchase the median home at $340,267 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,757.
Monthly Payment
$2,757
Income Required
$118,158
Principal & Interest
$2,097/mo
Down Payment (5%)
$17,013
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 68347.
Estimated Monthly Payment
$2,256
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