54742 — Eau Claire County, Wisconsin Market Snapshot
Housing market data for zip code 54742 in Eau Claire 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
$349,878
Days to Sell
72
Homes Sold
14
Inventory
8
Sale-to-List
100.2%
New Listings
7
Price/SqFt
$199
Pending Sales
13
Conforming Loan Available
Most homebuyers in 54742 can comfortably use conventional financing. The median home price of $349,878 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 72 days on average, 54742 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 54742 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54742 can comfortably use conventional financing. The median home price of $349,878 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 54742 are set at the county level.
2026 Loan Limits — Eau Claire 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 54742
To purchase the median home at $349,878 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,831.
Monthly Payment
$2,831
Income Required
$121,314
Principal & Interest
$2,156/mo
Down Payment (5%)
$17,494
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 54742.
Estimated Monthly Payment
$2,315
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