The typical owner-occupied home in Ozaukee County is worth about $390,200, 46% above the Wisconsin median of $266,500 and 17% above the national median of $332,700. Owners pay a median $4,631 a year in property taxes, about 1.19% of their home's value, lower than the Wisconsin rate of 1.42%. The median household earns $96,996 a year, so the median home costs 4.0 times the median income (3.4 times for Wisconsin). 73% of occupied homes here are lived in by their owners, and 64% of those owners still have a mortgage.
Ozaukee County at a glance
| Ozaukee County | Wisconsin | U.S. | |
|---|---|---|---|
| Median home value | $390,200 | $266,500 | $332,700 |
| Median property tax paid per year | $4,631 | $3,792 | $3,119 |
| Property tax as a share of value | 1.19% | 1.42% | 0.94% |
| Median household income | $96,996 | $77,485 | $80,734 |
| Homes lived in by their owners | 73% | 68% | 65% |
| Owner homes with a mortgage | 64% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $2,090 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 19.3% | 19.5% | 21.0% |
| Median rent | $1,154 | $1,087 | $1,413 |
| Rent as a share of renters' income | 25.5% | 27.2% | 30.6% |
| Median year homes were built | 1978 | 1975 | 1980 |
| Vacant homes | 3.9% | 10.8% | 10.1% |
| Population | 92,966 | 5,914,872 | 334,922,499 |
What a typical home costs per month in Ozaukee County
At this week's average 30-year rate of 7.11%, buying the median Ozaukee County home of $390,200 with 20% down costs about $2,649 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,299, 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 $113,548 for the 20%-down payment. That payment is 33% of the median Ozaukee County household income of $96,996; at that income and 20% down, the 28% guideline points to a home of about $333,000.
The median rent here is $1,154 a month, so owning the median home costs about $1,495 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $78,040 |
|---|---|
| Loan amount | $312,160 |
| Principal and interest | $2,100 |
| Property taxes (1.19% a year) | $387 |
| Homeowners insurance (our estimate, 0.5% a year) | $163 |
| PMI | $0 |
| Total per month | $2,649 |
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| Down payment | $13,657 |
|---|---|
| Loan amount | $383,132 |
| Principal and interest | $2,577 |
| Property taxes (1.19% a year) | $387 |
| Homeowners insurance (our estimate, 0.5% a year) | $163 |
| FHA mortgage insurance | $173 |
| Total per month | $3,299 |
Change the numbers in the calculator
Questions about home buying in Ozaukee County
What is the median home value in Ozaukee County?
About $390,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ozaukee County?
Homeowners pay a median $4,631 a year, which is about 1.19% 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 Ozaukee County?
For the median home with 20% down at 7.11%, the payment is about $2,649 a month. Keeping that under 28% of gross income takes about $113,548 a year.
More about Ozaukee County
- Mortgage Refinance in Ozaukee County
- Debt Relief in Ozaukee County
- Home Equity Loans in Ozaukee 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