In Beaver Dam, a typical home is worth $201,900 and typical rent is $959 a month. Compared with all of Dodge County, the typical home value is 13% lower, typical household income is 12% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $216,934 to $293,389.
Typical rent
$1,369a month
Typical rent from Zillow, March 2026 to September 2026: from $1,264 to $1,369.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Beaver Dam is in Dodge 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 Dodge County. See the county
What this place has that others do not, from public data, most unusual first.
1
55% of households in Beaver Dam own their home, against 71% in Dodge County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Beaver Dam
What homes there are in Beaver Dam, 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
Beaver Dam
Dodge County
Wisconsin
United States
Kind of home: Beaver Dam and its comparisons
Measure
Beaver Dam
Dodge County
Wisconsin
United States
Detached house
59%
72%
66%
61%
Attached house
4%
4%
4%
6%
Building of 2 to 4
11%
8%
9%
8%
Apartments (5 or more)
26%
13%
17%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Beaver Dam, 6 in 10 homes are single-family detached houses; in Dodge County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Beaver Dam
Dodge County
Wisconsin
United States
Year built: Beaver Dam and its comparisons
Measure
Beaver Dam
Dodge County
Wisconsin
United States
Before 1960
48%
42%
33%
26%
1960–1979
18%
20%
24%
24%
1980–1999
14%
20%
22%
25%
2000–2009
9%
12%
13%
14%
2010 or later
12%
7%
9%
11%
Homes in Beaver Dam are older: the typical year built is 1963; in Dodge County, 1970.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K46%
$200K–$300K34%
$300K–$500K16%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Beaver Dam and its comparisons
Measure
Beaver Dam
Under $100K
Unreliable estimate
$100K–$200K
46%
$200K–$300K
34%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99947%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Beaver Dam and its comparisons
Measure
Beaver Dam
Under $500
Unreliable estimate
$500–$999
47%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,475 a month
Dodge County: $1,557 a month
Without a mortgage
$658 a month
Dodge County: $658 a month
Owners with a mortgage
66%
Dodge County: 61%
In Beaver Dam, 66% of owners have a mortgage, and their typical cost is $1,475 a month, against $1,557 in Dodge County. Without one it drops to $658.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Beaver Dam+52%
Dodge County+43%
Wisconsin+48%
United States+53%
Typical rent
Beaver Dam+17%
Dodge County+22%
Wisconsin+27%
United States+33%
Typical household income
Beaver Dam+31%
Dodge County+25%
Wisconsin+26%
United States+29%
Change since 2015–2019: Beaver Dam and its comparisons
Measure
Beaver Dam
Dodge County
Wisconsin
United States
Typical home value
+52%
+43%
+48%
+53%
Typical rent
+17%
+22%
+27%
+33%
Typical household income
+31%
+25%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Beaver Dam rose 52%; in Dodge County, it rose 43%.
Since 2015–2019, the typical rent in Beaver Dam rose 17%, less than in Dodge County (22%).
The typical household income in Beaver Dam rose 31% over that time; home values changed +52% and rent +17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Beaver Dam and its comparisons
Measure
Beaver Dam
Dodge County
Wisconsin
United States
Rental vacancy
Unreliable estimate
1.7%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.5%
0.9%
More than one person per room
Unreliable estimate
1.2%
1.7%
3.4%
People per household
2.15
2.34
2.33
2.53
Drive alone
81%
81%
74%
69%
Carpool
6%
7%
7%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
9%
9%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Beaver Dam has 2.15 people, fewer than in Dodge County (2.34).
To get to work, 81% of workers in Beaver Dam drive alone; in Dodge County, 81%.
Do the math
What would you pay each month for a home in Beaver Dam?
A typical home is tight for the typical income
We start with a typical home in Beaver Dam, worth $201,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Beaver Dam, which is $66,673 a year. For that payment to be 28% of income, a household would need to earn about $77,607 a year.
The calculator's FHA and conventional loan limits are those of all of Dodge 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 Beaver Dam. 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 $7,067 (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
$1,811
at 7.18% · 30 years
Loan amount
$198,243
Total interest
$285,225
Paid off in
November 2056
Includes $3,410 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,556 a month
Tight
$1,556 to $2,000 a month
Your payment · 33%
Hard
more than $2,000 a month
Compared with the typical household income in Beaver Dam ($66,673 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,343
Property tax
$294
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,067 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 $1,811; principal and interest $1,343.
The city and its county
Beaver Dam and Dodge County
Beaver Dam is in Dodge 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).
Beaver Dam
Map of Dodge County, Wisconsin, with Beaver Dam marked. Around it, the neighboring counties.
Beaver Dam
Dodge County
Other cities with a page
Beaver Dam's own numbers
Typical home value
$201,900
Typical monthly rent
$959
Typical yearly household income
$66,673
Households that own their home
55%
Effective property tax rate
1.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dodge County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,100
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
1%
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 Dodge County.
A typical home in Beaver Dam is worth $201,900: 13% below the county and 24% below Wisconsin. With the typical household income in Beaver Dam ($66,673 a year), a typical home costs 3.0 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.
Beaver Dam3.0 years
Dodge3.1 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dodge County
According to FHFA’s house price index, home prices in Dodge County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dodge County.
Yearly change in FHFA’s price index in Dodge County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +5.0% +5.0% 2017
2018: +6.0% +6.0% 2018
2019: +4.9% +4.9% 2019
2020: +2.6% +2.6% 2020
2021: +11.0% +11.0% 2021
2022: +14.2% +14.2% 2022
2023: +11.2% +11.2% 2023
2024: +8.9% +8.9% 2024
2025: +6.9% +6.9% 2025
Change in FHFA’s price index in Dodge County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+6.9%
+5.4%
+2.9%
5 years (2020–2025)
+64%
+57%
+47%
10 years (2015–2025)
+101%
+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
Beaver Dam next to Dodge 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
Beaver Dam$201,900
Dodge$231,900
Wisconsin$266,500
United States$332,700
Typical monthly rent
Beaver Dam$959
Dodge$988
Wisconsin$1,087
United States$1,413
Typical yearly household income
Beaver Dam$66,673
Dodge$75,929
Wisconsin$77,485
United States$80,734
See the full table
Beaver Dam next to Dodge County and Wisconsin
Measure
Beaver Dam
Dodge County
Wisconsin
U.S.
Typical home value
$201,900 ▼13% below the county
$231,900
$266,500
$332,700
Typical monthly rent
$959 ▼3% below the county
$988
$1,087
$1,413
Typical yearly household income
$66,673 ▼12% below the county
$75,929
$77,485
$80,734
Households that own their home
55% ▼16 points below the county
71%
68%
65%
Typical yearly property tax
$3,536 ▲3% above the county
$3,422
$3,792
$3,119
Effective property tax rate
1.75% ▲0.27 points above the county
1.48%
1.42%
0.94%
Renters with high rent for their income
35%
35%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dodge 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 Beaver Dam
For a typical $201,900 home in Beaver Dam, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Beaver Dam's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,811a month
Least cash to close
Down payment
$7,067
Cash to close
$13,124
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,774a month
Down payment
$10,095
Cash to close
$16,152
Rate
7.18%
Mortgage insurance
PMI · $96
Conventional, 20% down, no PMI$1,473a month
Down payment
$40,380
Cash to close
$46,437
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,659a month
Down payment
$30,285
Cash to close
$36,342
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Beaver Dam
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,811
$7,067
$198,243
7.18%
FHA MIP · $89
$13,124
580
Conventional, 5% down
$1,774
$10,095
$191,805
7.18%
PMI · $96
$16,152
620*
Conventional, 20% down, no PMI
$1,473
$40,380
$161,520
7.18%
None
$46,437
620*
ITIN, 15% down (example)
$1,659
$30,285
$171,615
8.18%
None
$36,342
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 Beaver Dam is $959 a month: 3% below the county. In Beaver Dam, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dodge County, by unit size. To pay the 2-bedroom one ($1,100 a month) without spending more than 30% of your income, you would need to earn $21.15 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 Dodge County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$787
$15.13
$31,480
1 bedroom
$880
$16.92
$35,200
2 bedrooms
$1,100
$21.15
$44,000
3 bedrooms
$1,458
$28.04
$58,320
4 bedrooms
$1,464
$28.15
$58,560
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 Beaver Dam
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Beaver Dam is in ZIP code 53916.
For 2 bedrooms it is $1,170: $70 more than the fair market rent for Dodge County ($1,100).
Fair market rent by ZIP code and size in Beaver Dam, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53916
$840
$940
$1,170
$1,550
$1,560
ZIP code2 bd3 bd
53916 $1,170$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Beaver Dam 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)
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 Dodge 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 Beaver Dam or Dodge County. The ones below are statewide in Wisconsin: they work in Beaver Dam 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 Beaver Dam or Dodge 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 Beaver Dam and all of Dodge 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 Beaver Dam?
The typical home value in Beaver Dam is $201,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dodge County it is $231,900.
How much does it cost to rent in Beaver Dam?
Typical rent in Beaver Dam is $959 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dodge County is $1,100.
What is the FHA loan limit in Beaver Dam?
Beaver Dam uses the FHA limit for all of Dodge 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 Beaver Dam?
The typical homeowner in Beaver Dam pays $3,536 a year, according to the U.S. Census Bureau. That is 1.75% of the home’s value; in Dodge County, the rate is 1.48%.
Where can I find free help to buy or rent in Beaver Dam?
We found no HUD-approved counseling agencies with an office in Dodge County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
