54241 — Manitowoc County, Wisconsin Market Snapshot
Housing market data for zip code 54241 in Manitowoc County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$209,900
Days to Sell
51
Homes Sold
39
Inventory
34
Sale-to-List
98.4%
New Listings
46
Price/SqFt
$128
Pending Sales
52
Conforming Loan Available
Most homebuyers in 54241 can comfortably use conventional financing. The median home price of $209,900 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
54241's market is balanced with homes taking an average of 51 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 54241 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54241 can comfortably use conventional financing. The median home price of $209,900 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 54241 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 54241
To purchase the median home at $209,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,758.
Monthly Payment
$1,758
Income Required
$75,351
Principal & Interest
$1,293/mo
Down Payment (5%)
$10,495
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 54241.
Estimated Monthly Payment
$1,449
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