The typical owner-occupied home in La Crosse is worth about $105,400, 73% below the Virginia median of $383,700 and 68% below the national median of $332,700. Owners pay a median $679 a year in property taxes, about 0.64% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $33,750 a year, so the median home costs 3.1 times the median income (4.1 times for Virginia). 51% 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 | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $105,400 | $383,700 | $332,700 |
| Median property tax paid per year | $679 | $2,790 | $3,119 |
| Property tax as a share of value | 0.64% | 0.73% | 0.94% |
| Median household income | $33,750 | $93,170 | $80,734 |
| Homes lived in by their owners | 51% | 67% | 65% |
| Owner homes with a mortgage | 30% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,507 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 29.4% | 20.1% | 21.0% |
| Median rent | $1,044 | $1,579 | $1,413 |
| Rent as a share of renters' income | 45.0% | 29.4% | 30.6% |
| Median year homes were built | 1960 | 1984 | 1980 |
| Vacant homes | 24.4% | 8.7% | 10.1% |
| Population | 550 | 8,705,170 | 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 $105,400 with 20% down costs about $667 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $843, 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 $28,601 for the 20%-down payment. That payment is 24% of the median La Crosse household income of $33,750; at that income and 20% down, the 28% guideline points to a home of about $124,000.
The median rent here is $1,044 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,080 |
|---|---|
| Loan amount | $84,320 |
| Principal and interest | $567 |
| Property taxes (0.64% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $667 |
Change the numbers in the calculator
| Down payment | $3,689 |
|---|---|
| Loan amount | $103,491 |
| Principal and interest | $696 |
| Property taxes (0.64% a year) | $56 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $47 |
| Total per month | $843 |
Change the numbers in the calculator
Questions about home buying in La Crosse
What is the median home value in La Crosse?
About $105,400 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 $679 a year, which is about 0.64% 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 $667 a month. Keeping that under 28% of gross income takes about $28,601 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