53523 — Dane County, Wisconsin Market Snapshot
Housing market data for zip code 53523 in Dane County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$474,450
Days to Sell
44
Homes Sold
26
Inventory
23
Sale-to-List
99.8%
New Listings
32
Price/SqFt
$228
Pending Sales
25
Conforming Loan Available
Most homebuyers in 53523 can comfortably use conventional financing. The median home price of $474,450 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
53523's market is balanced with homes taking an average of 44 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 53523 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53523 can comfortably use conventional financing. The median home price of $474,450 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 53523 are set at the county level.
2026 Loan Limits — Dane 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 53523
To purchase the median home at $474,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,785.
Monthly Payment
$3,785
Income Required
$162,218
Principal & Interest
$2,923/mo
Down Payment (5%)
$23,723
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 53523.
Estimated Monthly Payment
$3,086
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 53523. Tell us what you're looking for.