54727 — Eau Claire County, Wisconsin Market Snapshot
Housing market data for zip code 54727 in Eau Claire County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$332,550
Days to Sell
58
Homes Sold
14
Inventory
10
Sale-to-List
98.8%
New Listings
15
Price/SqFt
$187
Pending Sales
17
Conforming Loan Available
Most homebuyers in 54727 can comfortably use conventional financing. The median home price of $332,550 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
54727's market is balanced with homes taking an average of 58 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 54727 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54727 can comfortably use conventional financing. The median home price of $332,550 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 54727 are set at the county level.
2026 Loan Limits — Eau Claire 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 54727
To purchase the median home at $332,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,698.
Monthly Payment
$2,698
Income Required
$115,624
Principal & Interest
$2,049/mo
Down Payment (5%)
$16,628
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 54727.
Estimated Monthly Payment
$2,208
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