Sep 2026
$298K
+1.7% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Oshkosh, WI housing market
Oshkosh, WI metro median sale price $298K in Sep 2026, up 1.7% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Oshkosh, WI metro is $298K as of Sep 2026, up 1.7% from a year earlier. That change sits near the middle of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a larger change, up 5.9% through Q2 2026, 4.2 points apart; Price reconciliation below shows both.
On median sale price, Oshkosh ($298K) ranks 11th of the 13 Wisconsin metros Pecan Street tracks, between Kenosha ($304K) and Wausau ($297K). On median days on market, Oshkosh (36 days) ranks 11th of the 13 Wisconsin metros, between Milwaukee (37 days) and Racine (33 days). On share of listings with a price cut, Oshkosh (21%) ranks 12th of the 13 Wisconsin metros, between Fond du Lac (25%) and Appleton (21%).
Listings spent a median 36 days on market in Sep 2026, the 11th-fewest of the 385 metros. 21% of active listings carry a price cut, 17.5 points fewer than a year earlier. That share is the 11th-lowest of the 385 metros. Median asking prices sit about 7% above the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,632 a month; at 28% of gross income, that takes about $70K a year. The median sale price equals about 15 years of HUD Fair Market Rent, a ratio down 2.5% from a year earlier. Active listings ask a median $191 per square foot, down 0.4% from a year earlier.
In three of the four ZIP codes in the table below, median list prices are lower than a year earlier; none is higher; one is unchanged.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,632/mo
$70K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Oshkosh compares to other U.S. metros
| Price cuts | ↓375th of 385 |
|---|---|
| Days on market | ↓375th of 385 |
| Asking-vs-sale gap | 119th of 292 (top 41%) |
| Home-price growth | 206th of 383 |
| Price-to-rent | 182nd of 373 (top 49%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 15 -2.5% YoY 182nd of 373 (top 49%) |
|---|---|
| Asking price / sq ft | $191 -0.4% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 21% -17.5 pts YoY ↓375th of 385 |
|---|
The median asking price $320K runs about 7% above the median sale price $298K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 4 shown of 10 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
red · 4.2ppRedfin (metro) +1.7% | FHFA HPI · Q2 2026 +5.9% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in WI
Track Oshkosh, WI with Pecan Street
The signals on this page are a snapshot of what we surface to agents every morning. Free trial, no credit card.
Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 54901 | $225K↓ | 96↑ | 36↓ | 28↑ | 37↓ | $232K↑ |
| 54902 | $271K | 50↑ | 24↓ | 12↓ | 31↓ | $237K↑ |
| 54904 | $359K↓ | 45↑ | 14↓ | 8↓ | 36↓ | $366K↑ |
| 54956 | $431K↓ | 137↑ | 54↑ | 28↑ | 38↑ | $350K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.