53186 — Waukesha County, Wisconsin Market Snapshot
Housing market data for zip code 53186 in Waukesha County, Wisconsin. Updated monthly with median prices, days on market, and more.
Market Sales Data
70 sales in 2026 (year to date)
Median Sale Price
$355,000
Days to Sell
35
Homes Sold
70
Inventory
30
Sale-to-List
105.1%
New Listings
81
Price/SqFt
$227
Pending Sales
82
Conforming Loan Available
Most homebuyers in 53186 can comfortably use conventional financing. The median home price of $355,000 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
53186's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 53186 are selling 5.1% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 53186 can comfortably use conventional financing. The median home price of $355,000 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 53186 are set at the county level.
2026 Loan Limits — Waukesha 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 53186
To purchase the median home at $355,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,870.
Monthly Payment
$2,870
Income Required
$122,996
Principal & Interest
$2,187/mo
Down Payment (5%)
$17,750
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 53186.
Estimated Monthly Payment
$2,347
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