The typical owner-occupied home in Sauk City is worth about $291,400, 9% above the Wisconsin median of $266,500 and 12% below the national median of $332,700. Owners pay a median $4,334 a year in property taxes, about 1.49% of their home's value, close to the Wisconsin rate of 1.42%. The median household earns $91,042 a year, so the median home costs 3.2 times the median income (3.4 times for Wisconsin). 70% of occupied homes here are lived in by their owners, and 76% of those owners still have a mortgage.
Sauk City at a glance
| Sauk City | Wisconsin | U.S. | |
|---|---|---|---|
| Median home value | $291,400 | $266,500 | $332,700 |
| Median property tax paid per year | $4,334 | $3,792 | $3,119 |
| Property tax as a share of value | 1.49% | 1.42% | 0.94% |
| Median household income | $91,042 | $77,485 | $80,734 |
| Homes lived in by their owners | 70% | 68% | 65% |
| Owner homes with a mortgage | 76% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,751 | $1,689 | $1,963 |
| Those costs as a share of the owners' income | 22.0% | 19.5% | 21.0% |
| Median rent | $1,121 | $1,087 | $1,413 |
| Rent as a share of renters' income | 26.0% | 27.2% | 30.6% |
| Median year homes were built | 1974 | 1975 | 1980 |
| Vacant homes | 5.4% | 10.8% | 10.1% |
| Population | 3,483 | 5,914,872 | 334,922,499 |
What a typical home costs per month in Sauk City
At this week's average 30-year rate of 7.11%, buying the median Sauk City home of $291,400 with 20% down costs about $2,051 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,537, 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 $87,919 for the 20%-down payment. That payment is 27% of the median Sauk City household income of $91,042; at that income and 20% down, the 28% guideline points to a home of about $302,000.
The median rent here is $1,121 a month, so owning the median home costs about $930 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $58,280 |
|---|---|
| Loan amount | $233,120 |
| Principal and interest | $1,568 |
| Property taxes (1.49% a year) | $362 |
| Homeowners insurance (our estimate, 0.5% a year) | $121 |
| PMI | $0 |
| Total per month | $2,051 |
Change the numbers in the calculator
| Down payment | $10,199 |
|---|---|
| Loan amount | $286,122 |
| Principal and interest | $1,925 |
| Property taxes (1.49% a year) | $362 |
| Homeowners insurance (our estimate, 0.5% a year) | $121 |
| FHA mortgage insurance | $129 |
| Total per month | $2,537 |
Change the numbers in the calculator
Questions about home buying in Sauk City
What is the median home value in Sauk City?
About $291,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sauk City?
Homeowners pay a median $4,334 a year, which is about 1.49% 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 Sauk City?
For the median home with 20% down at 7.11%, the payment is about $2,051 a month. Keeping that under 28% of gross income takes about $87,919 a year.
More about Sauk City
- Mortgage Refinance in Sauk City
- Debt Relief in Sauk City
- Home Equity Loans in Sauk City
- 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