53014 — Manitowoc County, Wisconsin Market Snapshot
Housing market data for zip code 53014 in Manitowoc County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$309,900
Days to Sell
129
Homes Sold
26
Inventory
21
Sale-to-List
99.3%
New Listings
32
Price/SqFt
$206
Pending Sales
34
Conforming Loan Available
Most homebuyers in 53014 can comfortably use conventional financing. The median home price of $309,900 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 129 days on average, 53014 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 53014 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53014 can comfortably use conventional financing. The median home price of $309,900 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 53014 are set at the county level.
2026 Loan Limits — Manitowoc 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 53014
To purchase the median home at $309,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,524.
Monthly Payment
$2,524
Income Required
$108,187
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,495
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 53014.
Estimated Monthly Payment
$2,068
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