In Beloit, a typical home is worth $156,500 and typical rent is $1,066 a month. Compared with all of Rock County, the typical home value is 32% lower, typical household income is 17% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $139,370 to $207,819.
Typical rent
$1,394a month
▲ 6.7% more than 12 months ago
Typical rent from Zillow, December 2023 to September 2026: from $1,163 to $1,394.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Beloit is in Rock 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 Rock County. See the county
What this place has that others do not, from public data, most unusual first.
1
Beloit has the 8th lowest typical home value of the 156 cities in Wisconsin with more than 5,000 people ($156,500).
2
59% of households in Beloit own their home, against 71% in Rock County.
3
The typical household income in Beloit is $62,663,17% less than in Rock County as a whole ($75,673).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Beloit
What homes there are in Beloit, 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
Beloit
Rock County
Wisconsin
United States
Kind of home: Beloit and its comparisons
Measure
Beloit
Rock County
Wisconsin
United States
Detached house
73%
74%
66%
61%
Attached house
4%
5%
4%
6%
Building of 2 to 4
9%
7%
9%
8%
Apartments (5 or more)
14%
12%
17%
19%
Mobile home
Unreliable estimate
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Beloit: 73% of homes, near the figure in Rock County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Beloit
Rock County
Wisconsin
United States
Year built: Beloit and its comparisons
Measure
Beloit
Rock County
Wisconsin
United States
Before 1960
55%
37%
33%
26%
1960–1979
23%
28%
24%
24%
1980–1999
11%
19%
22%
25%
2000–2009
8%
11%
13%
14%
2010 or later
4%
6%
9%
11%
Homes in Beloit are older: the typical year built is 1957; in Rock County, 1970.
In Beloit, 12% of homes have 1 bedroom or none (studios); 58% have 3 bedrooms or more, against 63% in Rock County.
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 $100K21%
$100K–$200K48%
$200K–$300K22%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Beloit and its comparisons
Measure
Beloit
Under $100K
21%
$100K–$200K
48%
$200K–$300K
22%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Beloit are worth less than $500,000, below the FHA loan limit for Rock County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5005%
$500–$99940%
$1,000–$1,49943%
HUD fair market rent, 2 bedrooms: $1,280
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Beloit and its comparisons
Measure
Beloit
Under $500
5%
$500–$999
40%
$1,000–$1,499
43%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Rock County is $1,280; about 69% of rents in Beloit are below it.
With a mortgage
$1,201 a month
Rock County: $1,538 a month
Without a mortgage
$526 a month
Rock County: $632 a month
Owners with a mortgage
62%
Rock County: 63%
Owning costs less in Beloit: with a mortgage, the typical cost is $1,201 a month; in Rock County, $1,538. Without one, $526.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Beloit+74%
Rock County+58%
Wisconsin+48%
United States+53%
Typical rent
Beloit+33%
Rock County+24%
Wisconsin+27%
United States+33%
Typical household income
Beloit+44%
Rock County+31%
Wisconsin+26%
United States+29%
Change since 2015–2019: Beloit and its comparisons
Measure
Beloit
Rock County
Wisconsin
United States
Typical home value
+74%
+58%
+48%
+53%
Typical rent
+33%
+24%
+27%
+33%
Typical household income
+44%
+31%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Beloit rose 74%; in Rock County, it rose 58%.
Since 2015–2019, the typical rent in Beloit rose 33%, more than in Rock County (24%).
While home values in Beloit changed +74% and rent +33%, the typical household income rose 44%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Beloit and its comparisons
Measure
Beloit
Rock County
Wisconsin
United States
Rental vacancy
5.2%
3.7%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.5%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.7%
3.4%
People per household
2.57
2.41
2.33
2.53
Drive alone
80%
80%
74%
69%
Carpool
8%
7%
7%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
3%
2%
3%
3%
Work from home
7%
9%
13%
15%
Other means
2%
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
The rental vacancy rate in Beloit is 5.2%, higher than in Rock County (3.7%).
Households in Beloit are bigger: 2.57 people on average; in Rock County, 2.41.
In Beloit, 80% of workers drive alone to work; in Rock County, 80%.
Do the math
What would you pay each month for a home in Beloit?
A typical home is within reach of the typical income
We start with a typical home in Beloit, worth $156,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Beloit, which is $62,663 a year.
The calculator's FHA and conventional loan limits are those of all of Rock 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 Beloit. 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 $5,478 (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
$1,380
at 7.18% · 30 years
Loan amount
$153,665
Total interest
$221,088
Paid off in
November 2056
Includes $2,643 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,462 a month
Your payment · 26%
Tight
$1,462 to $1,880 a month
Hard
more than $1,880 a month
Compared with the typical household income in Beloit ($62,663 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,041
Property tax
$205
Home insurance
$65
FHA mortgage insurance (MIP)
$69
You need at least $5,478 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 $1,380; principal and interest $1,041.
The city and its county
Beloit and Rock County
Beloit is in Rock 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).
Beloit
Map of Rock County, Wisconsin, with Beloit marked. Around it, the neighboring counties.
Beloit
Rock County
Other cities with a page
Beloit's own numbers
Typical home value
$156,500
Typical monthly rent
$1,066
Typical yearly household income
$62,663
Households that own their home
59%
Effective property tax rate
1.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Rock County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,280
Price change over 5 years (FHFA)
+61%
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 Rock County.
A typical home in Beloit is worth $156,500: 32% below the county and 41% below Wisconsin. With the typical household income in Beloit ($62,663 a year), a typical home costs 2.5 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.
Beloit2.5 years
Rock3.1 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Rock County
According to FHFA’s house price index, home prices in Rock County rose 116% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Rock County.
Yearly change in FHFA’s price index in Rock County, 2016 to 2025
2016: +5.7% +5.7% 2016
2017: +6.9% +6.9% 2017
2018: +7.5% +7.5% 2018
2019: +6.2% +6.2% 2019
2020: +3.4% +3.4% 2020
2021: +12.3% +12.3% 2021
2022: +15.1% +15.1% 2022
2023: +9.8% +9.8% 2023
2024: +8.3% +8.3% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Rock County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.1%
+5.4%
+2.9%
5 years (2020–2025)
+61%
+57%
+47%
10 years (2015–2025)
+116%
+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
Beloit next to Rock 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
Beloit$156,500
Rock$231,600
Wisconsin$266,500
United States$332,700
Typical monthly rent
Beloit$1,066
Rock$1,037
Wisconsin$1,087
United States$1,413
Typical yearly household income
Beloit$62,663
Rock$75,673
Wisconsin$77,485
United States$80,734
See the full table
Beloit next to Rock County and Wisconsin
Measure
Beloit
Rock County
Wisconsin
U.S.
Typical home value
$156,500 ▼32% below the county
$231,600
$266,500
$332,700
Typical monthly rent
$1,066 ▲3% above the county
$1,037
$1,087
$1,413
Typical yearly household income
$62,663 ▼17% below the county
$75,673
$77,485
$80,734
Households that own their home
59% ▼12 points below the county
71%
68%
65%
Typical yearly property tax
$2,454 ▼34% below the county
$3,703
$3,792
$3,119
Effective property tax rate
1.57% ▼0.03 points below the county
1.6%
1.42%
0.94%
Renters with high rent for their income
48% ▲6 points above the county
43%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rock 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 Beloit
For a typical $156,500 home in Beloit, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Beloit's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,380a month
Least cash to close
Down payment
$5,478
Cash to close
$10,173
Rate
7.18%
Mortgage insurance
FHA MIP · $69
Conventional, 5% down$1,351a month
Down payment
$7,825
Cash to close
$12,520
Rate
7.18%
Mortgage insurance
PMI · $74
Conventional, 20% down, no PMI$1,118a month
Down payment
$31,300
Cash to close
$35,995
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,263a month
Down payment
$23,475
Cash to close
$28,170
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Beloit
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,380
$5,478
$153,665
7.18%
FHA MIP · $69
$10,173
580
Conventional, 5% down
$1,351
$7,825
$148,675
7.18%
PMI · $74
$12,520
620*
Conventional, 20% down, no PMI
$1,118
$31,300
$125,200
7.18%
None
$35,995
620*
ITIN, 15% down (example)
$1,263
$23,475
$133,025
8.18%
None
$28,170
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 Beloit is $1,066 a month: 3% above the county. In Beloit, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Rock County, by unit size. To pay the 2-bedroom one ($1,280 a month) without spending more than 30% of your income, you would need to earn $24.62 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 Rock County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$976
$18.77
$39,040
1 bedroom
$998
$19.19
$39,920
2 bedrooms
$1,280
$24.62
$51,200
3 bedrooms
$1,621
$31.17
$64,840
4 bedrooms
$1,682
$32.35
$67,280
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 Beloit
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Beloit is in ZIP code 53511.
For 2 bedrooms it is $1,290: $10 more than the fair market rent for Rock County ($1,280).
Fair market rent by ZIP code and size in Beloit, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53511
$980
$1,010
$1,290
$1,630
$1,700
ZIP code2 bd3 bd
53511 $1,290$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Beloit 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)
Hillcrest Apt Homes2200 Burton St, Beloit 5351167 homes, 66 low-income · 1 bd: 47 · 2 bd: 20 · In service since 1995
Beloit Apts. Redevelopment Phase 11021 Ritsher St, Beloit 5351165 low-income homes · Run by Beloit Housing Authority · Average payment: $537 a month · Average wait: 2 months · Homes at several sites(608) 364-8753
Beloit Water Tower Place1120 Prince Hall Dr, Beloit 5351177 homes, 63 low-income · 1 bd: 36 · 2 bd: 38 · In service since 1995
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.
There is 1 HUD-approved agency with an office in Rock County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Beloit or Rock County. The ones below are statewide in Wisconsin: they work in Beloit 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 Beloit or Rock 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 Beloit and all of Rock 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 Beloit?
The typical home value in Beloit is $156,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rock County it is $231,600.
How much does it cost to rent in Beloit?
Typical rent in Beloit is $1,066 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rock County is $1,280.
What is the FHA loan limit in Beloit?
Beloit uses the FHA limit for all of Rock 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 Beloit?
The typical homeowner in Beloit pays $2,454 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Rock County, the rate is 1.6%.
Where can I find free help to buy or rent in Beloit?
There is 1 HUD-approved counseling agency with an office in Rock County. They can help you get ready to buy, with your credit, or with rent.
