57013 — Lincoln County, South Dakota Market Snapshot
Housing market data for zip code 57013 in Lincoln County, South Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$278,000
Days to Sell
35
Homes Sold
12
Inventory
12
Sale-to-List
98.6%
New Listings
12
Price/SqFt
$129
Pending Sales
9
Conforming Loan Available
Most homebuyers in 57013 can comfortably use conventional financing. The median home price of $278,000 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
57013's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 57013 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 57013 can comfortably use conventional financing. The median home price of $278,000 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 57013 are set at the county level.
2026 Loan Limits — Lincoln 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 57013
To purchase the median home at $278,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,280.
Monthly Payment
$2,280
Income Required
$97,712
Principal & Interest
$1,713/mo
Down Payment (5%)
$13,900
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 57013.
Estimated Monthly Payment
$1,870
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