54481 — Portage County, Wisconsin Market Snapshot
Housing market data for zip code 54481 in Portage County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$265,750
Days to Sell
51
Homes Sold
44
Inventory
62
Sale-to-List
99.4%
New Listings
76
Price/SqFt
$153
Pending Sales
64
Conforming Loan Available
Most homebuyers in 54481 can comfortably use conventional financing. The median home price of $265,750 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
54481's market is balanced with homes taking an average of 51 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 54481 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54481 can comfortably use conventional financing. The median home price of $265,750 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 54481 are set at the county level.
2026 Loan Limits — Portage 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 54481
To purchase the median home at $265,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,186.
Monthly Payment
$2,186
Income Required
$93,690
Principal & Interest
$1,637/mo
Down Payment (5%)
$13,288
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 54481.
Estimated Monthly Payment
$1,795
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