54449 — Marathon County, Wisconsin Market Snapshot
Housing market data for zip code 54449 in Marathon County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$280,900
Days to Sell
69
Homes Sold
67
Inventory
120
Sale-to-List
98.2%
New Listings
110
Price/SqFt
$142
Pending Sales
107
Conforming Loan Available
Most homebuyers in 54449 can comfortably use conventional financing. The median home price of $280,900 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
With homes sitting for 69 days on average, 54449 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 54449 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54449 can comfortably use conventional financing. The median home price of $280,900 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 54449 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 54449
To purchase the median home at $280,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,302.
Monthly Payment
$2,302
Income Required
$98,664
Principal & Interest
$1,731/mo
Down Payment (5%)
$14,045
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 54449.
Estimated Monthly Payment
$1,888
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