53038 — Jefferson County, Wisconsin Market Snapshot
Housing market data for zip code 53038 in Jefferson County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$425,000
Days to Sell
71
Homes Sold
11
Inventory
11
Sale-to-List
100.0%
New Listings
14
Price/SqFt
$219
Pending Sales
12
Conforming Loan Available
Most homebuyers in 53038 can comfortably use conventional financing. The median home price of $425,000 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
With homes sitting for 71 days on average, 53038 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 53038 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53038 can comfortably use conventional financing. The median home price of $425,000 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 53038 are set at the county level.
2026 Loan Limits — Jefferson 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 53038
To purchase the median home at $425,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,406.
Monthly Payment
$3,406
Income Required
$145,980
Principal & Interest
$2,619/mo
Down Payment (5%)
$21,250
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 53038.
Estimated Monthly Payment
$2,780
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