53549 — Jefferson County, Wisconsin Market Snapshot
Housing market data for zip code 53549 in Jefferson County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$411,250
Days to Sell
49
Homes Sold
18
Inventory
13
Sale-to-List
99.5%
New Listings
30
Price/SqFt
$178
Pending Sales
27
Conforming Loan Available
Most homebuyers in 53549 can comfortably use conventional financing. The median home price of $411,250 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
53549's market is balanced with homes taking an average of 49 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 53549 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53549 can comfortably use conventional financing. The median home price of $411,250 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 53549 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 53549
To purchase the median home at $411,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,301.
Monthly Payment
$3,301
Income Required
$141,466
Principal & Interest
$2,534/mo
Down Payment (5%)
$20,563
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 53549.
Estimated Monthly Payment
$2,695
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