54110 — Calumet County, Wisconsin Market Snapshot
Housing market data for zip code 54110 in Calumet County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$230,400
Days to Sell
63
Homes Sold
14
Inventory
14
Sale-to-List
101.3%
New Listings
18
Price/SqFt
$160
Pending Sales
17
Conforming Loan Available
Most homebuyers in 54110 can comfortably use conventional financing. The median home price of $230,400 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
With homes sitting for 63 days on average, 54110 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 54110 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54110 can comfortably use conventional financing. The median home price of $230,400 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 54110 are set at the county level.
2026 Loan Limits — Calumet 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 54110
To purchase the median home at $230,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,915.
Monthly Payment
$1,915
Income Required
$82,082
Principal & Interest
$1,420/mo
Down Payment (5%)
$11,520
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 54110.
Estimated Monthly Payment
$1,576
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