Income needed to buy a home
St. Croix County, WI
$142,676
a year in household income to buy the typical St. Croix County home with 10% down.
The monthly math
Typical home value$414,727
Down payment (10%)$41,473
Loan$373,254
Principal and interest (7.40%)$2,584/mo
Property tax (1.1% a year)$382/mo
Homeowners insurance (estimate)$207/mo
Mortgage insurance$156/mo
Total monthly cost$3,329/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $103,046 a year, 72% of what it takes.
In Wisconsin
St. Croix County ranks #67 of 72 for the income a home takes, from least to most.
Easiest to afford in Wisconsin
| County | Typical home | Income needed |
|---|---|---|
| Ashland County | $187,072 | $65,647 |
| Florence County | $199,811 | $69,775 |
| Iron County | $216,800 | $73,617 |
| Marinette County | $218,557 | $75,213 |
| Rusk County | $220,846 | $75,369 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.