The typical owner-occupied home in Oshkosh is worth about $85,800, 64% below the Nebraska median of $238,600 and 74% below the national median of $332,700. Owners pay a median $884 a year in property taxes, about 1.03% of their home's value, lower than the Nebraska rate of 1.49%. The median household earns $40,391 a year, so the median home costs 2.1 times the median income (3.1 times for Nebraska). 82% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Oshkosh at a glance
| Oshkosh | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $85,800 | $238,600 | $332,700 |
| Median property tax paid per year | $884 | $3,549 | $3,119 |
| Property tax as a share of value | 1.03% | 1.49% | 0.94% |
| Median household income | $40,391 | $76,475 | $80,734 |
| Homes lived in by their owners | 82% | 67% | 65% |
| Owner homes with a mortgage | 54% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $951 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 21.7% | 19.5% | 21.0% |
| Median rent | $744 | $1,072 | $1,413 |
| Rent as a share of renters' income | 33.7% | 27.9% | 30.6% |
| Median year homes were built | 1950 | 1975 | 1980 |
| Vacant homes | 29.5% | 7.6% | 10.1% |
| Population | 807 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Oshkosh
At this week's average 30-year rate of 7.11%, buying the median Oshkosh home of $85,800 with 20% down costs about $571 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $714, 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 $24,478 for the 20%-down payment. That payment is 17% of the median Oshkosh household income of $40,391; at that income and 20% down, the 28% guideline points to a home of about $142,000.
The median rent here is $744 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $17,160 |
|---|---|
| Loan amount | $68,640 |
| Principal and interest | $462 |
| Property taxes (1.03% a year) | $74 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $571 |
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| Down payment | $3,003 |
|---|---|
| Loan amount | $84,246 |
| Principal and interest | $567 |
| Property taxes (1.03% a year) | $74 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $38 |
| Total per month | $714 |
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Questions about home buying in Oshkosh
What is the median home value in Oshkosh?
About $85,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oshkosh?
Homeowners pay a median $884 a year, which is about 1.03% 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 Oshkosh?
For the median home with 20% down at 7.11%, the payment is about $571 a month. Keeping that under 28% of gross income takes about $24,478 a year.
More about Oshkosh
- Mortgage Refinance in Oshkosh
- Debt Relief in Oshkosh
- Home Equity Loans in Oshkosh
- 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