57025 — Union County, South Dakota Market Snapshot
Housing market data for zip code 57025 in Union 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
$287,000
Days to Sell
19
Homes Sold
10
Inventory
5
Sale-to-List
99.2%
New Listings
13
Price/SqFt
$149
Pending Sales
7
Conforming Loan Available
Most homebuyers in 57025 can comfortably use conventional financing. The median home price of $287,000 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
Homes in 57025 are moving quickly at 19 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 57025 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 57025 can comfortably use conventional financing. The median home price of $287,000 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 57025 are set at the county level.
2026 Loan Limits — Union 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 57025
To purchase the median home at $287,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,349.
Monthly Payment
$2,349
Income Required
$100,667
Principal & Interest
$1,768/mo
Down Payment (5%)
$14,350
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 57025.
Estimated Monthly Payment
$1,926
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