53576 — Rock County, Wisconsin Market Snapshot
Housing market data for zip code 53576 in Rock County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$364,900
Days to Sell
152
Homes Sold
13
Inventory
18
Sale-to-List
99.7%
New Listings
15
Price/SqFt
$191
Pending Sales
16
Conforming Loan Available
Most homebuyers in 53576 can comfortably use conventional financing. The median home price of $364,900 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 152 days on average, 53576 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 53576 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 53576 can comfortably use conventional financing. The median home price of $364,900 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 53576 are set at the county level.
2026 Loan Limits — Rock 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 53576
To purchase the median home at $364,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,946.
Monthly Payment
$2,946
Income Required
$126,246
Principal & Interest
$2,248/mo
Down Payment (5%)
$18,245
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 53576.
Estimated Monthly Payment
$2,408
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