53404 — Racine County, Wisconsin Market Snapshot
Housing market data for zip code 53404 in Racine County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$223,000
Days to Sell
33
Homes Sold
32
Inventory
15
Sale-to-List
99.2%
New Listings
35
Price/SqFt
$152
Pending Sales
32
Conforming Loan Available
Most homebuyers in 53404 can comfortably use conventional financing. The median home price of $223,000 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
53404's market is balanced with homes taking an average of 33 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 53404 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53404 can comfortably use conventional financing. The median home price of $223,000 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 53404 are set at the county level.
2026 Loan Limits — Racine 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 53404
To purchase the median home at $223,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,859.
Monthly Payment
$1,859
Income Required
$79,653
Principal & Interest
$1,374/mo
Down Payment (5%)
$11,150
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 53404.
Estimated Monthly Payment
$1,530
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