54971 — Winnebago County, Wisconsin Market Snapshot
Housing market data for zip code 54971 in Winnebago County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$264,000
Days to Sell
56
Homes Sold
29
Inventory
41
Sale-to-List
98.6%
New Listings
44
Price/SqFt
$151
Pending Sales
33
Conforming Loan Available
Most homebuyers in 54971 can comfortably use conventional financing. The median home price of $264,000 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
54971'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 54971 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54971 can comfortably use conventional financing. The median home price of $264,000 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 54971 are set at the county level.
2026 Loan Limits — Winnebago 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 54971
To purchase the median home at $264,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,173.
Monthly Payment
$2,173
Income Required
$93,115
Principal & Interest
$1,627/mo
Down Payment (5%)
$13,200
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 54971.
Estimated Monthly Payment
$1,784
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 54971. Tell us what you're looking for.