54138 — Oconto County, Wisconsin Market Snapshot
Housing market data for zip code 54138 in Oconto County, Wisconsin. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Oconto County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$450,000
Days to Sell
19
Homes Sold
3
Inventory
15
Conforming Loan Available
Most homebuyers in 54138 can comfortably use conventional financing. The median home price of $450,000 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
Homes in 54138 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 54138 can comfortably use conventional financing. The median home price of $450,000 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 54138 are set at the county level.
2026 Loan Limits — Oconto 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 54138
To purchase the median home at $450,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,598.
Monthly Payment
$3,598
Income Required
$154,190
Principal & Interest
$2,773/mo
Down Payment (5%)
$22,500
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 54138.
Estimated Monthly Payment
$2,935
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