54114 — Oconto County, Wisconsin Market Snapshot
Housing market data for zip code 54114 in Oconto County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$242,500
Days to Sell
56
Homes Sold
18
Inventory
46
Sale-to-List
96.7%
New Listings
46
Price/SqFt
$190
Pending Sales
40
Conforming Loan Available
Most homebuyers in 54114 can comfortably use conventional financing. The median home price of $242,500 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
54114's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 54114 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 54114 can comfortably use conventional financing. The median home price of $242,500 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 54114 are set at the county level.
2026 Loan Limits — Oconto 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 54114
To purchase the median home at $242,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,008.
Monthly Payment
$2,008
Income Required
$86,055
Principal & Interest
$1,494/mo
Down Payment (5%)
$12,125
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 54114.
Estimated Monthly Payment
$1,651
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