54171 — Oconto County, Wisconsin Market Snapshot
Housing market data for zip code 54171 in Oconto County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$570,500
Days to Sell
45
Homes Sold
11
Inventory
9
Sale-to-List
99.1%
New Listings
16
Price/SqFt
$231
Pending Sales
12
Conforming Loan Available
Most homebuyers in 54171 can comfortably use conventional financing. The median home price of $570,500 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
54171's market is balanced with homes taking an average of 45 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 54171 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54171 can comfortably use conventional financing. The median home price of $570,500 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 54171 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 54171
To purchase the median home at $570,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,521.
Monthly Payment
$4,521
Income Required
$193,757
Principal & Interest
$3,515/mo
Down Payment (5%)
$28,525
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 54171.
Estimated Monthly Payment
$3,681
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