54401 — Marathon County, Wisconsin Market Snapshot
Housing market data for zip code 54401 in Marathon County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
75 sales in 2026 (year to date)
Median Sale Price
$271,000
Days to Sell
44
Homes Sold
75
Inventory
69
Sale-to-List
101.8%
New Listings
97
Price/SqFt
$162
Pending Sales
93
Conforming Loan Available
Most homebuyers in 54401 can comfortably use conventional financing. The median home price of $271,000 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
54401'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 54401 (101.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54401 can comfortably use conventional financing. The median home price of $271,000 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 54401 are set at the county level.
2026 Loan Limits — Marathon 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 54401
To purchase the median home at $271,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,226.
Monthly Payment
$2,226
Income Required
$95,414
Principal & Interest
$1,670/mo
Down Payment (5%)
$13,550
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 54401.
Estimated Monthly Payment
$1,827
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 54401. Tell us what you're looking for.