The typical owner-occupied home in La Crosse County is worth about $257,000, 4% below the Wisconsin median of $266,500 and 23% below the national median of $332,700. Owners pay a median $3,947 a year in property taxes, about 1.54% of their home's value, higher than the Wisconsin rate of 1.42%. The median household earns $73,013 a year, so the median home costs 3.5 times the median income (3.4 times for Wisconsin). 62% of occupied homes here are lived in by their owners, and 59% of those owners still have a mortgage.
La Crosse County at a glance
| La Crosse County | Wisconsin | U.S. | |
|---|---|---|---|
| Median home value | $257,000 | $266,500 | $332,700 |
| Median property tax paid per year | $3,947 | $3,792 | $3,119 |
| Property tax as a share of value | 1.54% | 1.42% | 0.94% |
| Median household income | $73,013 | $77,485 | $80,734 |
| Homes lived in by their owners | 62% | 68% | 65% |
| Owner homes with a mortgage | 59% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,698 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.8% | 19.5% | 21.0% |
| Median rent | $1,059 | $1,087 | $1,413 |
| Rent as a share of renters' income | 27.6% | 27.2% | 30.6% |
| Median year homes were built | 1978 | 1975 | 1980 |
| Vacant homes | 4.7% | 10.8% | 10.1% |
| Population | 120,488 | 5,914,872 | 334,922,499 |
What a typical home costs per month in La Crosse County
At this week's average 30-year rate of 7.11%, buying the median La Crosse County home of $257,000 with 20% down costs about $1,820 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,248, 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 $77,999 for the 20%-down payment. That payment is 30% of the median La Crosse County household income of $73,013; at that income and 20% down, the 28% guideline points to a home of about $241,000.
The median rent here is $1,059 a month, so owning the median home costs about $761 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $51,400 |
|---|---|
| Loan amount | $205,600 |
| Principal and interest | $1,383 |
| Property taxes (1.54% a year) | $330 |
| Homeowners insurance (our estimate, 0.5% a year) | $107 |
| PMI | $0 |
| Total per month | $1,820 |
Change the numbers in the calculator
| Down payment | $8,995 |
|---|---|
| Loan amount | $252,345 |
| Principal and interest | $1,698 |
| Property taxes (1.54% a year) | $330 |
| Homeowners insurance (our estimate, 0.5% a year) | $107 |
| FHA mortgage insurance | $114 |
| Total per month | $2,248 |
Change the numbers in the calculator
Questions about home buying in La Crosse County
What is the median home value in La Crosse County?
About $257,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in La Crosse County?
Homeowners pay a median $3,947 a year, which is about 1.54% 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 County?
For the median home with 20% down at 7.11%, the payment is about $1,820 a month. Keeping that under 28% of gross income takes about $77,999 a year.
More about La Crosse County
- Mortgage Refinance in La Crosse County
- Debt Relief in La Crosse County
- Home Equity Loans in La Crosse County
- 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