54154 — Oconto County, Wisconsin Market Snapshot
Housing market data for zip code 54154 in Oconto County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$297,400
Days to Sell
56
Homes Sold
10
Inventory
9
Sale-to-List
98.2%
New Listings
13
Price/SqFt
$187
Pending Sales
17
Conforming Loan Available
Most homebuyers in 54154 can comfortably use conventional financing. The median home price of $297,400 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
54154'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
Homes are selling very close to asking price in 54154 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54154 can comfortably use conventional financing. The median home price of $297,400 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 54154 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 54154
To purchase the median home at $297,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,429.
Monthly Payment
$2,429
Income Required
$104,082
Principal & Interest
$1,832/mo
Down Payment (5%)
$14,870
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 54154.
Estimated Monthly Payment
$1,991
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