In Baraboo, a typical home is worth $222,100 and typical rent is $940 a month. Compared with all of Sauk County, the typical home value is 14% lower, typical household income is 12% lower, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $247,845 to $311,213.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Baraboo is in Sauk 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 Sauk County. See the county
What this place has that others do not, from public data, most unusual first.
1
63% of households in Baraboo own their home, against 72% in Sauk County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Baraboo
What homes there are in Baraboo, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Baraboo
Sauk County
Wisconsin
United States
Kind of home: Baraboo and its comparisons
Measure
Baraboo
Sauk County
Wisconsin
United States
Detached house
58%
69%
66%
61%
Attached house
6%
3%
4%
6%
Building of 2 to 4
11%
8%
9%
8%
Apartments (5 or more)
19%
13%
17%
19%
Mobile home
7%
7%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Baraboo, but it weighs less than in Sauk County: 58% against 69%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Baraboo
Sauk County
Wisconsin
United States
Year built: Baraboo and its comparisons
Measure
Baraboo
Sauk County
Wisconsin
United States
Before 1960
40%
28%
33%
26%
1960–1979
16%
19%
24%
24%
1980–1999
25%
28%
22%
25%
2000–2009
14%
17%
13%
14%
2010 or later
5%
8%
9%
11%
In Baraboo, half of the homes were built before 1974; in Sauk County, before 1983.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K11%
$100K–$200K29%
$200K–$300K40%
$300K–$500K16%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Baraboo and its comparisons
Measure
Baraboo
Under $100K
11%
$100K–$200K
29%
$200K–$300K
40%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Baraboo sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99945%
$1,000–$1,49934%
$1,500–$1,9994%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Baraboo and its comparisons
Measure
Baraboo
Under $500
Unreliable estimate
$500–$999
45%
$1,000–$1,499
34%
$1,500–$1,999
4%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,545 a month
Sauk County: $1,646 a month
Without a mortgage
$656 a month
Sauk County: $640 a month
Owners with a mortgage
70%
Sauk County: 62%
Owning costs less in Baraboo: with a mortgage, the typical cost is $1,545 a month; in Sauk County, $1,646. Without one, $656.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Baraboo+46%
Sauk County+42%
Wisconsin+48%
United States+53%
Typical rent
Baraboo+17%
Sauk County+27%
Wisconsin+27%
United States+33%
Typical household income
Baraboo+34%
Sauk County+33%
Wisconsin+26%
United States+29%
Change since 2015–2019: Baraboo and its comparisons
Measure
Baraboo
Sauk County
Wisconsin
United States
Typical home value
+46%
+42%
+48%
+53%
Typical rent
+17%
+27%
+27%
+33%
Typical household income
+34%
+33%
+26%
+29%
The typical home value in Baraboo rose 46% since 2015–2019, more than in Sauk County (42%).
Since 2015–2019, the typical rent in Baraboo rose 17%, less than in Sauk County (27%).
While home values in Baraboo changed +46% and rent +17%, the typical household income rose 34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Baraboo and its comparisons
Measure
Baraboo
Sauk County
Wisconsin
United States
Rental vacancy
Unreliable estimate
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.5%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.7%
3.4%
People per household
2.05
2.33
2.33
2.53
Drive alone
76%
77%
74%
69%
Carpool
10%
9%
7%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
4%
3%
3%
3%
Work from home
9%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 2.05 on average, against 2.33 in Sauk County.
To get to work, 76% of workers in Baraboo drive alone; in Sauk County, 77%.
Do the math
What would you pay each month for a home in Baraboo?
A typical home is tight for the typical income
We start with a typical home in Baraboo, worth $222,100, 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 Baraboo, which is $69,750 a year. For that payment to be 28% of income, a household would need to earn about $84,737 a year.
The calculator's FHA and conventional loan limits are those of all of Sauk County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Baraboo. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,774 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,977
at 7.18% · 30 years
Loan amount
$218,077
Total interest
$313,761
Paid off in
November 2056
Includes $3,751 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,628 a month
Tight
$1,628 to $2,093 a month
Your payment · 34%
Hard
more than $2,093 a month
Compared with the typical household income in Baraboo ($69,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,477
Property tax
$309
Home insurance
$93
FHA mortgage insurance (MIP)
$98
You need at least $7,774 for the down payment, plus closing costs.
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.
Total monthly payment $1,977; principal and interest $1,477.
The city and its county
Baraboo and Sauk County
Baraboo is in Sauk 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).
Baraboo
Map of Sauk County, Wisconsin, with Baraboo marked. Around it, the neighboring counties.
Baraboo
Sauk County
Other cities with a page
Baraboo's own numbers
Typical home value
$222,100
Typical monthly rent
$940
Typical yearly household income
$69,750
Households that own their home
63%
Effective property tax rate
1.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sauk County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,168
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.9%
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 Sauk County.
A typical home in Baraboo is worth $222,100: 14% below the county and 17% below Wisconsin. With the typical household income in Baraboo ($69,750 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.
Baraboo3.2 years
Sauk3.3 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sauk County
According to FHFA’s house price index, home prices in Sauk County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sauk County.
Yearly change in FHFA’s price index in Sauk County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +4.3% +4.3% 2017
2018: +5.5% +5.5% 2018
2019: +4.1% +4.1% 2019
2020: +2.4% +2.4% 2020
2021: +10.6% +10.6% 2021
2022: +16.8% +16.8% 2022
2023: +8.6% +8.6% 2023
2024: +7.0% +7.0% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Sauk County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.0%
+5.4%
+2.9%
5 years (2020–2025)
+58%
+57%
+47%
10 years (2015–2025)
+93%
+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
Baraboo next to Sauk 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
Baraboo$222,100
Sauk$258,600
Wisconsin$266,500
United States$332,700
Typical monthly rent
Baraboo$940
Sauk$1,018
Wisconsin$1,087
United States$1,413
Typical yearly household income
Baraboo$69,750
Sauk$79,541
Wisconsin$77,485
United States$80,734
See the full table
Baraboo next to Sauk County and Wisconsin
Measure
Baraboo
Sauk County
Wisconsin
U.S.
Typical home value
$222,100 ▼14% below the county
$258,600
$266,500
$332,700
Typical monthly rent
$940 ▼8% below the county
$1,018
$1,087
$1,413
Typical yearly household income
$69,750 ▼12% below the county
$79,541
$77,485
$80,734
Households that own their home
63% ▼10 points below the county
72%
68%
65%
Typical yearly property tax
$3,707
$3,755
$3,792
$3,119
Effective property tax rate
1.67% ▲0.22 points above the county
1.45%
1.42%
0.94%
Renters with high rent for their income
46% ▲6 points above the county
40%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sauk 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 Baraboo
For a typical $222,100 home in Baraboo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Baraboo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,977a month
Least cash to close
Down payment
$7,774
Cash to close
$14,437
Rate
7.18%
Mortgage insurance
FHA MIP · $98
Conventional, 5% down$1,936a month
Down payment
$11,105
Cash to close
$17,768
Rate
7.18%
Mortgage insurance
PMI · $105
Conventional, 20% down, no PMI$1,605a month
Down payment
$44,420
Cash to close
$51,083
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,811a month
Down payment
$33,315
Cash to close
$39,978
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Baraboo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,977
$7,774
$218,077
7.18%
FHA MIP · $98
$14,437
580
Conventional, 5% down
$1,936
$11,105
$210,995
7.18%
PMI · $105
$17,768
620*
Conventional, 20% down, no PMI
$1,605
$44,420
$177,680
7.18%
None
$51,083
620*
ITIN, 15% down (example)
$1,811
$33,315
$188,785
8.18%
None
$39,978
Set by the lender
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.
Typical rent in Baraboo is $940 a month: 8% below the county. In Baraboo, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sauk County, by unit size. To pay the 2-bedroom one ($1,168 a month) without spending more than 30% of your income, you would need to earn $22.46 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sauk County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$843
$16.21
$33,720
1 bedroom
$996
$19.15
$39,840
2 bedrooms
$1,168
$22.46
$46,720
3 bedrooms
$1,448
$27.85
$57,920
4 bedrooms
$1,577
$30.33
$63,080
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 Baraboo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Baraboo is in ZIP code 53913.
For 2 bedrooms it is $1,160: $8 less than the fair market rent for Sauk County ($1,168).
Fair market rent by ZIP code and size in Baraboo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53913
$840
$990
$1,160
$1,490
$1,620
ZIP code2 bd3 bd
53913 $1,160$1,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Baraboo 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Baraboo. These are the largest.
Donahue Terrace227 1st Ave, Baraboo 5391361 low-income homes · For older adults(608) 356-4822
Delton Commons Apt Homes1197 Bunker Dr, Baraboo 5391356 low-income homes · 1 bd: 10 · 2 bd: 22 · 3 bd: 16 · In service since 2001
Park Ridge Apts1105 Silver Dr, Baraboo 5391348 homes, 24 low-income · 2 bd: 36 · 3 bd: 12 · In service since 1995
Highpointe Commons1141 12th St, Baraboo 5391324 homes, 22 low-income · 1 bd: 16 · 2 bd: 8 · In service since 2006 · For older adults
Corson Square Apts1015 9th St, Baraboo 5391310 low-income homes · Run by Baraboo Community Development Authority · Homes at several sites(608) 356-4822
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 Sauk County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Baraboo or Sauk County. The ones below are statewide in Wisconsin: they work in Baraboo the same as in the rest of the state.
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).
$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).
No legal help resource on our list is for Baraboo or Sauk County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Baraboo and all of Sauk 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 Baraboo?
The typical home value in Baraboo is $222,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sauk County it is $258,600.
How much does it cost to rent in Baraboo?
Typical rent in Baraboo is $940 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sauk County is $1,168.
What is the FHA loan limit in Baraboo?
Baraboo uses the FHA limit for all of Sauk 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 Baraboo?
The typical homeowner in Baraboo pays $3,707 a year, according to the U.S. Census Bureau. That is 1.67% of the home’s value; in Sauk County, the rate is 1.45%.
Where can I find free help to buy or rent in Baraboo?
We found no HUD-approved counseling agencies with an office in Sauk County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
