57022 — Moody County, South Dakota Market Snapshot
Housing market data for zip code 57022 in Moody County, South Dakota. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$359,200
Days to Sell
25
Homes Sold
10
Inventory
5
Sale-to-List
100.2%
New Listings
20
Price/SqFt
$171
Pending Sales
13
Conforming Loan Available
Most homebuyers in 57022 can comfortably use conventional financing. The median home price of $359,200 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 57022 are moving quickly at 25 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 57022 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 57022 can comfortably use conventional financing. The median home price of $359,200 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 57022 are set at the county level.
2026 Loan Limits — Moody 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 57022
To purchase the median home at $359,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,902.
Monthly Payment
$2,902
Income Required
$124,375
Principal & Interest
$2,213/mo
Down Payment (5%)
$17,960
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 57022.
Estimated Monthly Payment
$2,373
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