68836 — Phelps County, Nebraska Market Snapshot
Housing market data for zip code 68836 in Phelps County, Nebraska. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Phelps County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$137,138
Days to Sell
52
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 68836 can comfortably use conventional financing. The median home price of $137,138 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
68836's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 68836 can comfortably use conventional financing. The median home price of $137,138 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 68836 are set at the county level.
2026 Loan Limits — Phelps 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 68836
To purchase the median home at $137,138 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,201.
Monthly Payment
$1,201
Income Required
$51,459
Principal & Interest
$845/mo
Down Payment (5%)
$6,857
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 68836.
Estimated Monthly Payment
$999
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