54025 — St. Croix County, Wisconsin Market Snapshot
Housing market data for zip code 54025 in St. Croix County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$429,900
Days to Sell
37
Homes Sold
33
Inventory
21
Sale-to-List
99.6%
New Listings
47
Price/SqFt
$163
Pending Sales
35
Conforming Loan Available
Most homebuyers in 54025 can comfortably use conventional financing. The median home price of $429,900 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
54025's market is balanced with homes taking an average of 37 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 54025 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 54025 can comfortably use conventional financing. The median home price of $429,900 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 54025 are set at the county level.
2026 Loan Limits — St. Croix County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $552,000 |
| 2 Units | $1,066,250 | $706,650 |
| 3 Units | $1,288,800 | $854,200 |
| 4 Units | $1,601,750 | $1,061,550 |
Affordability Snapshot — Zip 54025
To purchase the median home at $429,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,444.
Monthly Payment
$3,444
Income Required
$147,590
Principal & Interest
$2,649/mo
Down Payment (5%)
$21,495
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 54025.
Estimated Monthly Payment
$2,811
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