54909 — Waushara County, Wisconsin Market Snapshot
Housing market data for zip code 54909 in Waushara County, Wisconsin. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Waushara County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$168,234
Days to Sell
53
Homes Sold
5
Inventory
4
Conforming Loan Available
Most homebuyers in 54909 can comfortably use conventional financing. The median home price of $168,234 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
54909's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 54909 can comfortably use conventional financing. The median home price of $168,234 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 54909 are set at the county level.
2026 Loan Limits — Waushara 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 54909
To purchase the median home at $168,234 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,439.
Monthly Payment
$1,439
Income Required
$61,669
Principal & Interest
$1,037/mo
Down Payment (5%)
$8,412
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 54909.
Estimated Monthly Payment
$1,191
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 54909. Tell us what you're looking for.