54738 — Trempealeau County, Wisconsin Market Snapshot
Housing market data for zip code 54738 in Trempealeau County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$232,500
Days to Sell
79
Homes Sold
10
Inventory
11
Sale-to-List
93.3%
New Listings
11
Price/SqFt
$150
Pending Sales
15
Conforming Loan Available
Most homebuyers in 54738 can comfortably use conventional financing. The median home price of $232,500 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 79 days on average, 54738 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
The average home in 54738 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 54738 can comfortably use conventional financing. The median home price of $232,500 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 54738 are set at the county level.
2026 Loan Limits — Trempealeau 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 54738
To purchase the median home at $232,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,931.
Monthly Payment
$1,931
Income Required
$82,772
Principal & Interest
$1,433/mo
Down Payment (5%)
$11,625
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 54738.
Estimated Monthly Payment
$1,589
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