Published October 1, 2026 in Market Update

Some parts of CR Metro under $400k are still moving in days

By JJ Johannes

Real estate, DOTW - CR Metro Under $400k

Freddie Mac put the 30-year fixed rate at 7.03% as of September 24, 2026. That is a real headwind. But in parts of CR Metro under $400k, homes are still going under contract faster than most buyers expect. The data covers the three months ending July 31, 2026.

The fastest ZIP code in the market: 52405

The Real Estate Data Aggregator counted a median of just 5 days on market in ZIP 52405 for the three months ending July 31, 2026. That is the fastest in this market. Nearly 7 in 10 homes there went under contract within two weeks of listing. The median sale price was $199,900, down 6.8% from a year earlier. Prices dipped a little, but demand did not.

ZIP 52402 is right behind it

The Real Estate Data Aggregator showed a median of 6 days on market in ZIP 52402, 2 days shorter than a year ago. Homes for sale there dropped 67.6% year over year. With only 36 homes for sale in the whole period, buyers had very little to choose from. That is why 47.1% of homes sold above list price, up 15 points from the year before.

How the ZIP codes stack up on speed

Not every part of this market moves fast. The Real Estate Data Aggregator showed 60 days on market in ZIP 52233 and 57 days in ZIP 52314 for the same period. Those are the same market, but a very different experience. Speed depends on where you are, not just the metro.

What share of homes went pending within two weeks

The wider picture: rates up, but prices still rising nationally

The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. Month over month, they were up 0.3% in July on a seasonally adjusted basis. Nationally, Realtor.com reported that 20.8% of listings had price reductions in September 2026, the highest share since October 2022. So the pressure is real in some places. Here in CR Metro under $400k, the tightest ZIPs are holding up. The ones with more supply and longer days on market tell a different story.

What this means for you

If you are a buyer in 52405 or 52402, you need to be ready before you find the home. Six days is not much time to get financing lined up and an offer written. If you are a seller, the data is clear: the homes that are winning are priced right from day one. The ones sitting for 57 or 60 days are not overpriced markets, they are overpriced homes.

The Real Estate Data Aggregator counted 1,143 homes sold across this whole market in the three months ending July 31, 2026, with 1,130 new listings and 1,136 pending sales. Supply and demand are nearly in balance overall. But one street can read very differently from the whole ZIP code. That is where knowing your specific block matters.