Español

Este sitio también está en español. Leer en español

City · 7,902 residents · Ashland County, Wisconsin

Ashland , Wisconsin

In Ashland, a typical home is worth $176,400 and typical rent is $753 a month. Compared with all of Ashland County, typical household income is 13% lower and the share of households that own their home is 11 points lower.

WhatsApp

  • Typical home value

    $176,400

    4% above the county

    34% below Wisconsin

    • Ashland
    • County
    • Wisconsin

  • Typical rent

    $753a month

    4% above the county

    31% below Wisconsin

    • Ashland
    • County
    • Wisconsin

  • Typical household income

    $54,529a year

    13% below the county

    30% below Wisconsin

    • Ashland
    • County
    • Wisconsin

  • Households that own their home

    63%

    11 points below the county

    5 points below Wisconsin

    • Ashland
    • County
    • Wisconsin

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$198,559
5.6% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ashland is in Ashland County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Ashland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ashland apart

What this place has that others do not, from public data, most unusual first.

  1. Ashland has the 3rd lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($753).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Ashland fell 5.6%; in Wisconsin, it rose 5.1%.

  3. Nearby, in Merrill, the typical home value is $123,800: 30% less than in Ashland ($176,400).

  4. Ashland has the 11th lowest typical household income of the 156 cities in Wisconsin with more than 5,000 people ($54,529).

  5. 63% of households in Ashland own their home, against 73% in Ashland County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Ashland

What homes there are in Ashland, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Ashland, 7 in 10 homes are single-family detached houses; in Ashland County, 8.

Year built

Homes in Ashland are older: the typical year built is 1956; in Ashland County, 1972.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Ashland County is high ($541,287): at least 97% of owner-occupied homes in Ashland are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Ashland County is $1,014; about 78% of rents in Ashland are below it.

With a mortgage

$1,368 a month

Ashland County: $1,336 a month

Without a mortgage

$620 a month

Ashland County: $547 a month

Owners with a mortgage

59%

Ashland County: 54%

In Ashland, 59% of owners have a mortgage; their typical cost is $1,368 a month, about the same as in Ashland County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Ashland rose 64%; in Ashland County, it rose 51%.

Rent in Ashland moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAshlandAshland CountyWisconsinUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.7%3.4%
People per household 2.162.272.332.53
Drive alone 71%74%74%69%
Carpool 7%7%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 11%7%3%3%
Work from home 10%10%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

By size, households in Ashland look like those in Ashland County: 2.16 people on average.

In Ashland, 11% of workers walk or bike to work; in Ashland County, 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ashland?

A typical home is tight for the typical income

We start with a typical home in Ashland, worth $176,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Ashland, which is $54,529 a year. For that payment to be 28% of income, a household would need to earn about $66,608 a year.

The calculator's FHA and conventional loan limits are those of all of Ashland County.

Your numbers

Local data
$

Starts at the typical home value in Ashland. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,174 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,554

at 7.18% · 30 years

Loan amount
$173,205
Total interest
$249,201
Paid off in
November 2056

Includes $2,979 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,272 a month

  • Tight

    $1,272 to $1,636 a month

    Your payment · 34%

  • Hard

    more than $1,636 a month

Compared with the typical household income in Ashland ($54,529 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,554
Principal & interest$1,173
Property tax$229
Home insurance$74
FHA mortgage insurance (MIP)$78

You need at least $6,174 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ashland and Ashland County

Ashland is in Ashland County, Wisconsin. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ashland's own numbers

Typical home value
$176,400
Typical monthly rent
$753
Typical yearly household income
$54,529
Households that own their home
63%
Effective property tax rate
1.56%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ashland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+61%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ashland County.

Everything about Ashland County

Buying

Buying a home in Ashland

A typical home in Ashland is worth $176,400: 4% above the county and 34% below Wisconsin. With the typical household income in Ashland ($54,529 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ashland 3.2 years
  • County 2.7 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ashland County

According to FHFA’s house price index, home prices in Ashland County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ashland County.

Period County Wisconsin U.S.
Last year (2025) +6.4% +5.4% +2.9%
5 years (2020–2025) +61% +57% +47%
10 years (2015–2025) +80% +96% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ashland next to Ashland County, Wisconsin and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ashland $176,400
  • County $170,300
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Ashland $753
  • County $721
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Ashland $54,529
  • County $62,462
  • Wisconsin $77,485
  • United States $80,734
See the full table
Ashland next to Ashland County and Wisconsin
Measure Ashland Ashland County Wisconsin U.S.
Typical home value $176,400 $170,300 $266,500 $332,700
Typical monthly rent $753 $721 $1,087 $1,413
Typical yearly household income $54,529 $62,462 $77,485 $80,734
Households that own their home 63% 73% 68% 65%
Typical yearly property tax $2,753 $2,413 $3,792 $3,119
Effective property tax rate 1.56% 1.42% 1.42% 0.94%
Renters with high rent for their income 41% 37% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ashland County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ashland

For a typical $176,400 home in Ashland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ashland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,554a month

    Least cash to close
    Down payment
    $6,174
    Cash to close
    $11,466
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $78

  • Conventional, 5% down $1,522a month

    Down payment
    $8,820
    Cash to close
    $14,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $84

  • Conventional, 20% down, no PMI $1,259a month

    Down payment
    $35,280
    Cash to close
    $40,572
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,422a month

    Down payment
    $26,460
    Cash to close
    $31,752
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ashland and for Ashland County.

Property tax

Effective rate in Ashland

1.56%of the home’s value each year

$2,753 a year for the typical owner in Ashland.

  • Ashland 1.56%
  • County 1.42%
  • Wisconsin 1.42%

What Wisconsin publishes Lottery and Gaming Credit for your primary residence (Wisconsin Department of Revenue)

Exemptions and deadlines in Wisconsin

Flood risk in Ashland County

FEMA does not publish these numbers by city: they are for all of Ashland County.

FEMA’s maps count no homes in the high-risk zone in Ashland County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ashland

Typical rent in Ashland is $753 a month: 4% above the county. In Ashland, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ashland County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Ashland County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $770 $14.81 $30,800
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,404 $27.00 $56,160
4 bedrooms $1,543 $29.67 $61,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ashland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ashland is in ZIP code 54806.

For 2 bedrooms it is $1,070: $56 more than the fair market rent for Ashland County ($1,014).

  • 54806 $1,070$1,460

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ashland when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ashland

HUD lists 7 buildings with rents for lower incomes in Ashland. These are the largest.

  • High Rise/Scattered Sites 319 Chapple Ave, Ashland 54806 139 homes, 137 low-income · Run by Ashland Housing Authority · Average payment: $469 a month · Average wait: 26 months · Homes at several sites (715) 682-7066
  • Ashland Arms 716 4th St W, Ashland 54806 37 low-income homes · For older adults (715) 682-7066
  • Bay Terrace 600 4th St W, Ashland 54806 30 low-income homes · Run by Ashland Housing Authority · Average payment: $479 a month · Average wait: 40 months (715) 682-7066
  • Daniel Kimball Villa 517 6th St W, Ashland 54806 24 low-income homes · For older adults (800) 685-9353
  • Pinewood I 1515 Beaser Ave, Ashland 54806 24 low-income homes · 1 bd: 6 · 2 bd: 10 · 3 bd: 8 · In service since 1994

See all 13 buildings in Ashland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ashland

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Ashland County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Ashland

No down payment, repair or rent-help program on our list is for Ashland or Ashland County. The ones below are statewide in Wisconsin: they work in Ashland the same as in the rest of the state.

Which programs do I qualify for? All programs in Wisconsin

  • WHEDA Easy Close Advantage DPA

    Statewide in Wisconsin

    Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Repayable

    See the program Official page

  • WHEDA Capital Access DPA

    Statewide in Wisconsin

    Limited funds remain, per the source

    $7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Deferred

    See the program Official page

Housing counselors near Ashland

The HUD-approved agencies closest to the center of Ashland, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Wisconsin Native Loan Fund

    14284 State Highway 70 W, Lac Du Flambeau · 65 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (715) 588-1600

  • Western Dairyland Economic Opportunity Council Inc

    1 Better Way, Eau Claire · 128 miles away · Spanish

    Also serves in American Sign Language (ASL) and Hmong.

    • Mortgage delinquency and default
    • Homelessness services
    • and 2 more
    (715) 836-7511

  • First Nations Community Financial

    206 S Roosevelt Rd Ste 123, Black River Falls · 158 miles away

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (715) 284-2470

All counseling agencies in Wisconsin

Help in Spanish near Ashland

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ashland

HUD’s record names them for Ashland or Ashland County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Ashland Housing Authority Public housing and Section 8 vouchers (715) 682-7066
  • Ashland County Housing Authority Public housing and Section 8 vouchers (715) 274-8311

All housing agencies in Wisconsin Source: HUD

Cities

Nearby cities

The cities closest to Ashland, with the typical home value.

Everything about Ashland County Housing in Wisconsin

Neighboring counties

If Ashland County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ashland.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Ashland

Short answers with the numbers for Ashland and all of Ashland County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ashland?

The typical home value in Ashland is $176,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ashland County it is $170,300.

How much does it cost to rent in Ashland?

Typical rent in Ashland is $753 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ashland County is $1,014.

What is the FHA loan limit in Ashland?

Ashland uses the FHA limit for all of Ashland County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Ashland?

The typical homeowner in Ashland pays $2,753 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Ashland County, the rate is 1.42%.

Where can I find free help to buy or rent in Ashland?

We found no HUD-approved counseling agencies with an office in Ashland County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).