57034 — Lincoln County, South Dakota Market Snapshot
Housing market data for zip code 57034 in Lincoln County, South Dakota. 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 Lincoln County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
11
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 57034 can comfortably use conventional financing. The median home price of $435,000 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
57034 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 57034 can comfortably use conventional financing. The median home price of $435,000 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 57034 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 57034
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 57034.
Estimated Monthly Payment
$2,842
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 57034. Tell us what you're looking for.