54601 — La Crosse County, Wisconsin Market Snapshot
Housing market data for zip code 54601 in La Crosse County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
132 sales in 2026 (year to date)
Median Sale Price
$296,500
Days to Sell
7
Homes Sold
132
Inventory
48
Sale-to-List
102.3%
New Listings
187
Price/SqFt
$177
Pending Sales
169
Conforming Loan Available
Most homebuyers in 54601 can comfortably use conventional financing. The median home price of $296,500 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
54601 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 54601 are selling 2.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 54601 can comfortably use conventional financing. The median home price of $296,500 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 54601 are set at the county level.
2026 Loan Limits — La Crosse 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 54601
To purchase the median home at $296,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,422.
Monthly Payment
$2,422
Income Required
$103,787
Principal & Interest
$1,827/mo
Down Payment (5%)
$14,825
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 54601.
Estimated Monthly Payment
$1,985
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