57078 — Yankton County, South Dakota Market Snapshot
Housing market data for zip code 57078 in Yankton County, South Dakota. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Yankton County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$242,150
Days to Sell
16
Homes Sold
3
Inventory
7
Conforming Loan Available
Most homebuyers in 57078 can comfortably use conventional financing. The median home price of $242,150 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 57078 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 57078 can comfortably use conventional financing. The median home price of $242,150 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 57078 are set at the county level.
2026 Loan Limits — Yankton 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 57078
To purchase the median home at $242,150 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,005.
Monthly Payment
$2,005
Income Required
$85,940
Principal & Interest
$1,492/mo
Down Payment (5%)
$12,108
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 57078.
Estimated Monthly Payment
$1,649
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