The typical owner-occupied home in La Crosse is worth about $84,600, 61% below the Kansas median of $217,200 and 75% below the national median of $332,700. Owners pay a median $1,596 a year in property taxes, about 1.89% of their home's value, higher than the Kansas rate of 1.29%. The median household earns $53,750 a year, so the median home costs 1.6 times the median income (2.9 times for Kansas). 66% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
La Crosse at a glance
| La Crosse | Kansas | U.S. | |
|---|---|---|---|
| Median home value | $84,600 | $217,200 | $332,700 |
| Median property tax paid per year | $1,596 | $2,798 | $3,119 |
| Property tax as a share of value | 1.89% | 1.29% | 0.94% |
| Median household income | $53,750 | $74,275 | $80,734 |
| Homes lived in by their owners | 66% | 67% | 65% |
| Owner homes with a mortgage | 30% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $1,205 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 17.4% | 19.4% | 21.0% |
| Median rent | $725 | $1,060 | $1,413 |
| Rent as a share of renters' income | 20.7% | 27.1% | 30.6% |
| Median year homes were built | 1955 | 1976 | 1980 |
| Vacant homes | 9.7% | 9.2% | 10.1% |
| Population | 1,154 | 2,947,197 | 334,922,499 |
What a typical home costs per month in La Crosse
At this week's average 30-year rate of 7.11%, buying the median La Crosse home of $84,600 with 20% down costs about $624 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $765, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $26,734 for the 20%-down payment. That payment is 14% of the median La Crosse household income of $53,750; at that income and 20% down, the 28% guideline points to a home of about $170,000.
The median rent here is $725 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $16,920 |
|---|---|
| Loan amount | $67,680 |
| Principal and interest | $455 |
| Property taxes (1.89% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| PMI | $0 |
| Total per month | $624 |
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| Down payment | $2,961 |
|---|---|
| Loan amount | $83,068 |
| Principal and interest | $559 |
| Property taxes (1.89% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $35 |
| FHA mortgage insurance | $37 |
| Total per month | $765 |
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Questions about home buying in La Crosse
What is the median home value in La Crosse?
About $84,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in La Crosse?
Homeowners pay a median $1,596 a year, which is about 1.89% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in La Crosse?
For the median home with 20% down at 7.11%, the payment is about $624 a month. Keeping that under 28% of gross income takes about $26,734 a year.
More about La Crosse
- Mortgage Refinance in La Crosse
- Debt Relief in La Crosse
- Home Equity Loans in La Crosse
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data