54129 — Calumet County, Wisconsin Market Snapshot
Housing market data for zip code 54129 in Calumet County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$383,500
Days to Sell
78
Homes Sold
10
Inventory
15
Sale-to-List
100.0%
New Listings
15
Price/SqFt
$273
Pending Sales
9
Conforming Loan Available
Most homebuyers in 54129 can comfortably use conventional financing. The median home price of $383,500 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 78 days on average, 54129 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 54129 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54129 can comfortably use conventional financing. The median home price of $383,500 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 54129 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 54129
To purchase the median home at $383,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,088.
Monthly Payment
$3,088
Income Required
$132,354
Principal & Interest
$2,363/mo
Down Payment (5%)
$19,175
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 54129.
Estimated Monthly Payment
$2,523
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