The typical owner-occupied home in Onalaska is worth about $423,700, 25% below the Washington median of $564,600 and 27% above the national median of $332,700. Owners pay a median $3,239 a year in property taxes, about 0.76% of their home's value, lower than the Washington rate of 0.81%. 57% of occupied homes here are lived in by their owners, and 83% of those owners still have a mortgage.
Onalaska at a glance
| Onalaska | Washington | U.S. | |
|---|---|---|---|
| Median home value | $423,700 | $564,600 | $332,700 |
| Median property tax paid per year | $3,239 | $4,556 | $3,119 |
| Property tax as a share of value | 0.76% | 0.81% | 0.94% |
| Median household income | – | $98,141 | $80,734 |
| Homes lived in by their owners | 57% | 64% | 65% |
| Owner homes with a mortgage | 83% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $2,208 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 27.4% | 22.2% | 21.0% |
| Median rent | $844 | $1,760 | $1,413 |
| Rent as a share of renters' income | 20.8% | 30.0% | 30.6% |
| Median year homes were built | 1976 | 1985 | 1980 |
| Vacant homes | 8.8% | 7.3% | 10.1% |
| Population | 848 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Onalaska
At this week's average 30-year rate of 7.11%, buying the median Onalaska home of $423,700 with 20% down costs about $2,725 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,431, 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 $116,790 for the 20%-down payment.
The median rent here is $844 a month, so owning the median home costs about $1,881 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $84,740 |
|---|---|
| Loan amount | $338,960 |
| Principal and interest | $2,280 |
| Property taxes (0.76% a year) | $268 |
| Homeowners insurance (our estimate, 0.5% a year) | $177 |
| PMI | $0 |
| Total per month | $2,725 |
Change the numbers in the calculator
| Down payment | $14,830 |
|---|---|
| Loan amount | $416,026 |
| Principal and interest | $2,799 |
| Property taxes (0.76% a year) | $268 |
| Homeowners insurance (our estimate, 0.5% a year) | $177 |
| FHA mortgage insurance | $187 |
| Total per month | $3,431 |
Change the numbers in the calculator
Questions about home buying in Onalaska
What is the median home value in Onalaska?
About $423,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Onalaska?
Homeowners pay a median $3,239 a year, which is about 0.76% 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 Onalaska?
For the median home with 20% down at 7.11%, the payment is about $2,725 a month. Keeping that under 28% of gross income takes about $116,790 a year.
More about Onalaska
- Mortgage Refinance in Onalaska
- Debt Relief in Onalaska
- Home Equity Loans in Onalaska
- 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