Oshkosh WI › Market Report
Oshkosh WI Housing Market Report 2026
TL;DR
Oshkosh WI Zillow ZHVI: $250,967 (+5.2% YoY). Redfin median sale: $211,000. Compete score 60/100. Median sold DOM: 61 days. RDC rank #13. WI transfer fee $3.00/$1,000 — no Winnebago County WI or City of Oshkosh add-on (Wis. Stat. § 77.22). WI foreclosure 12-15 months (Ch. 846). Cash offers 70-80% FMV. USA Home Buyers: 888-440-5250.
Oshkosh WI Key Market Metrics (March 2026)
| Metric | Value | YoY Change | Source |
|---|---|---|---|
| Zillow ZHVI (typical home value) | $250,967 | +5.2% | Zillow (Apr 2026) |
| Redfin Median Sale Price | $211,000 | -1.1% | Redfin (Mar 2026) |
| Price per Square Foot (city) | $137 | -2.8% | Redfin (Mar 2026) |
| Price/Sqft Winnebago County WI | $167 | +14.4% | Redfin County (Mar 2026) |
| Median DOM (sold homes) | 61 days | No change | Redfin (Mar 2026) |
| Hot Homes Pending | ~42 days | — | Redfin (Mar 2026) |
| RDC Active Listing DOM | 36.0 days | — | Realtor.com (Mar 2026) |
| RDC Hotness Score | 92.809 — Rank #13 nationally | — | Realtor.com (Mar 2026) |
| Redfin Compete Score | 60/100 — Somewhat Competitive | — | Redfin (Mar 2026) |
| Sale-to-List Ratio | 99.5% | +0.2 pt | Redfin (Mar 2026) |
| Homes Sold (Mar 2026) | 53 | +1 YoY | Redfin (Mar 2026) |
| WI State Median Home Price | ~$307,000 | — | Statewide (2026) |
| Oshkosh discount to WI median | ~$96K (31% below state median) | — | Derived |
Note: According to Zillow (April 2026), the Oshkosh typical home value (ZHVI) is $250,967. Per Redfin (March 2026), the median closed sale price is $211,000. The gap between these figures reflects Zillow's index incorporating the full housing stock including premium Lake Shore Victorians and Sawyer Creek newer builds, while Redfin's transaction figure is skewed toward entry-level and investor-grade sales. For cash buyer offer-range calculations, the $211,000 Redfin figure is more relevant.
Transfer Fee — Winnebago County WI & Wisconsin State
Wisconsin charges a state-level Real Estate Transfer Fee under Wis. Stat. § 77.22 at $3.00 per $1,000 of sale price — seller pays by custom. Winnebago County WI does NOT add a county surcharge. The City of Oshkosh imposes no municipal real estate transfer tax. This is the simplest transfer tax structure in the markets USA Home Buyers serves.
| Sale Price | WI State Fee ($3/$1,000) | Winnebago Co. WI | City of Oshkosh | Total |
|---|---|---|---|---|
| $148,000 (cash offer floor, median) | $444.00 | $0 | $0 | $444.00 |
| $211,000 (Redfin median) | $633.00 | $0 | $0 | $633.00 |
| $250,967 (Zillow ZHVI) | $752.90 | $0 | $0 | $752.90 |
A Wisconsin Real Estate Transfer Return (RETR form) must accompany any deed at recording — including exempt transactions (foreclosure sales, estate transfers). Winnebago County Register of Deeds recording fee: $30 flat per document (Wisconsin Act 314). When you sell to USA Home Buyers, we cover all closing costs including transfer fees and recording fees. Source: Wis. Stat. § 77.22; winnebagocountywi.gov/492/Fee-Schedule.
Foreclosure Data — Winnebago County WI
According to Wis. Stat. Ch. 846 (Wisconsin Legislature), Wisconsin is a judicial foreclosure state. All Winnebago County WI foreclosures are filed at Winnebago County Circuit Court, 415 Jackson Street, Oshkosh WI 54901. The redemption period under Wis. Stat. § 846.101 is 6 months from judgment for owner-occupied 1-4 family homes where the lender waives deficiency. Total first-missed-payment-to-sale timeline: 12–15 months.
| Phase | Timeline | Statute |
|---|---|---|
| Default / missed payments | Months 1-3 | Per mortgage contract |
| Complaint filed (Winnebago Co. Circuit Court) | Day 0 of lawsuit | Wis. Stat. § 846.03 |
| Service / answer period | 20-45 days | Wis. Stat. § 801.11 / § 802.06 |
| Judgment of foreclosure | Months 3-6 after filing | Wis. Stat. § 846.10 |
| Redemption period (owner-occ, deficiency waived) | 6 months from judgment | Wis. Stat. § 846.101 |
| Sheriff's sale | After redemption expires | Wis. Stat. § 846.16 |
| Confirmation of sale | 15-30 days after sale | Wis. Stat. § 846.17 |
| Total (first missed payment to sale) | 12-15 months | Wis. Stat. Ch. 846 |
Cash Offer Range — Oshkosh WI Investor Context
Standard cash offers in Oshkosh run 70-80% of FMV for move-in-ready homes. At $211,000 typical Redfin median, that's $148K-$169K for average condition. Distressed properties in Center City, Fox River corridor, and near-campus Merritt areas run 60-70% (~$127K-$148K). Oshkosh's consistent supply of pre-war bungalows and mid-century homes needing renovation provides investor margins above the WI state average. Lake Shore Victorians command top-of-market Oshkosh pricing; off-lakefront stock is where the cash buyer opportunity concentrates.
iBuyer status: Opendoor and Offerpad do NOT appear to serve the Oshkosh-Neenah CBSA (metro population ~170,000 — below iBuyer thresholds; no active Oshkosh landing pages found as of April 2026).
Probate Data — Winnebago County WI
Probate for Oshkosh-area estates is handled by the Winnebago County Circuit Court, Register in Probate, 415 Jackson Street Room 242, Oshkosh WI 54901, (920) 236-4808.
- •Informal probate (Wis. Stat. Ch. 856): Uncontested estates with a will or clear intestate heirs. Handled by Register in Probate. Typically 4-8 months.
- •Formal probate (Wis. Stat. Ch. 857-879): Contested estates, creditor disputes, or court supervision required. Typically 9-18 months.
- •Small estate affidavit: Available for estates under $50,000 with NO real property — real estate always requires the probate process.
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