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Featured local agent — Lake Winnebago, MO
Sarah Mitchell
Compass Real Estate · Lake Winnebago, MO
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Lake Winnebago, MO Housing Market
The typical home in Lake Winnebago, MO is worth $866,643, rose 9.5% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $886,035, -10.4% year over year (through May 2026). With 8.0 months of supply and homes going under contract in about 71 days, Lake Winnebago is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $866,643 home is about $4,627/mo in principal and interest.
Key numbers for Lake Winnebago, MO
Typical home value
$866,643
+9.5% in 12 months
Zillow, August 2026
Median sale price
$886,035
-10.4% year over year
Redfin, through May 2026
Days on market
71
Slow-moving
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$179,038
Home costs 4.8x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Lake Winnebago a buyer's or seller's market?
Lake Winnebago, MO is a buyer's market, based on 8.0 months of supply and homes selling in about 71 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Lake Winnebago housing market data show?
Every row below is Redfin's final published month for Lake Winnebago, MO. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $886,035 |
| Median list price | $1.10M |
| Year-over-year price change | -10.4% |
| Median price per sq ft | $291/sq ft |
| Median days on market | 71 days |
| Months of supply | 8.0 months |
| Homes sold (that month) | 2 |
| New listings (that month) | 2 |
| Listings with a price cut | 25.0% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Lake Winnebago is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Lake Winnebago is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Lake Winnebago home prices moved?
Over the last three years the median sale price in Lake Winnebago, MO fell 7.8%, from $960,997 to $886,035. The live Zillow value series has rose 9.5% in the last 12 months, which is the more current read now that Redfin's series has stopped. 25.0% of Lake Winnebago listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Lake Winnebago?
Priced off the typical home value of $866,643 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $173,329 | $693,314 | $4,627/mo |
| 5% | $43,332 | $823,311 | $5,494/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $4,627, that implies roughly $198,284 a year before you add taxes and insurance. The median household in Lake Winnebago earns $179,038, about $19,246 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 4.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Lake Winnebago in the next 12 months?
Tell us your timeline. We send the Lake Winnebago market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Lake Winnebago?
Zillow does not publish a rent index (ZORI) for Lake Winnebago, MO, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Lake Winnebago?
We hold fewer than two months of inventory readings for Lake Winnebago, MO, so there is no trend to report yet.
How does Lake Winnebago compare to Missouri and the U.S.?
Lake Winnebago homes sell for $886,035 — 198% above the Missouri median of $297,500. Against the national median of $410,700, Lake Winnebago runs 116% higher. Year-over-year, Lake Winnebago moved -10.4% against Missouri's +4.6% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Lake Winnebago, MO | $886,035 | -10.4% | 71 days |
| Missouri statewide | $297,500 | +4.6% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Lake Winnebago
What buyers should watch
- Months of supply, currently 8.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 25.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $867 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $866,643 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Lake Winnebago listing goes under contract in 71 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- In the last published month Lake Winnebago added 2 new listings against 2 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +9.5% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Lake Winnebago varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Lake Winnebago
Explore homes currently listed for sale in Lake Winnebago, Missouri across major real estate platforms.
How much do homes cost in Lake Winnebago by property type?
How the Lake Winnebago, MO market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $886,035 | $291/sq ft | 2 | 71 days |
Who lives in Lake Winnebago?
American Community Survey estimates for Lake Winnebago. U.S. Census ACS, 2023
Population
1,401
Households
544
Median income
$179,038/yr
Median age
49.7 years
Owner-occupied
95.0%
Median home value
$646,200
Median gross rent
$2,571/mo
Mean commute
26 min
95.0% of occupied homes in Lake Winnebago are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $646,200 against Zillow's $866,643 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Lake Winnebago, MO?
Ordered by distance from Lake Winnebago, not by size. Compare Lake Winnebago side by side with any of them.
Lake Winnebago housing market FAQ
Is Lake Winnebago a buyer's or seller's market?
Lake Winnebago, MO is currently a buyer's market. That read comes from 8.0 months of supply, homes going under contract in about 71 days in the last month Redfin published (May 2026).
How much do homes cost in Lake Winnebago?
The typical home in Lake Winnebago, MO is worth $866,643 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $886,035, about $291 per square foot.
Is Lake Winnebago cheaper than the rest of Missouri?
Lake Winnebago's median sale price of $886,035 is 198% higher than the Missouri statewide median of $297,500, and 116% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Lake Winnebago?
Homes in Lake Winnebago, MO spent a median of 71 days on market before going under contract, versus 27 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Lake Winnebago?
At the current 30-year fixed rate of 7.03%, 20% down on a $866,643 home is about $4,627 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $198,284 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $179,038.
Are home prices rising in Lake Winnebago?
The typical home value in Lake Winnebago, MO rose 9.5% over the last 12 months, from $791,402 to $866,643 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Lake Winnebago?
Lake Winnebago ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Lake Winnebago?
That depends on your timeline, not on a headline. What the data says today: Lake Winnebago, MO is a buyer's market with 8.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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