53120 — Racine County, Wisconsin Market Snapshot
Housing market data for zip code 53120 in Racine County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$513,450
Days to Sell
53
Homes Sold
20
Inventory
27
Sale-to-List
100.0%
New Listings
30
Price/SqFt
$268
Pending Sales
26
Conforming Loan Available
Most homebuyers in 53120 can comfortably use conventional financing. The median home price of $513,450 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
53120's market is balanced with homes taking an average of 53 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 53120 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53120 can comfortably use conventional financing. The median home price of $513,450 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 53120 are set at the county level.
2026 Loan Limits — Racine 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 53120
To purchase the median home at $513,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,084.
Monthly Payment
$4,084
Income Required
$175,024
Principal & Interest
$3,164/mo
Down Payment (5%)
$25,673
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 53120.
Estimated Monthly Payment
$3,328
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 53120. Tell us what you're looking for.