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City · 5,562 residents · Green Lake County, Wisconsin

Berlin , Wisconsin

In Berlin, a typical home is worth $160,300 and typical rent is $832 a month. Compared with all of Green Lake County, the typical home value is 26% lower, typical household income is 13% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $160,300

    26% below the county

    40% below Wisconsin

    • Berlin
    • Green Lake
    • Wisconsin

  • Typical rent

    $832a month

    About the same as the county

    23% below Wisconsin

    • Berlin
    • Green Lake
    • Wisconsin

  • Typical household income

    $59,472a year

    13% below the county

    23% below Wisconsin

    • Berlin
    • Green Lake
    • Wisconsin

  • Households that own their home

    57%

    18 points below the county

    11 points below Wisconsin

    • Berlin
    • Green Lake
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$220,088
8.4% more than 12 months ago

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

Berlin is in Green Lake 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 Green Lake County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Berlin apart

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

  1. 57% of households in Berlin own their home, against 74% in Green Lake County.

  2. The typical home in Berlin is worth $160,300, 26% less than in Green Lake County as a whole ($215,400).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Berlin rose 8.4%; in Wisconsin, it rose 5.1%.

  4. Berlin has the 13th lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($832).

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

The homes here

Housing in Berlin

What homes there are in Berlin, 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 houses are the majority in Berlin (63%), but less so than in Green Lake County (80%).

Year built

In Berlin, half of the homes were built before 1968; in Green Lake County, before 1971.

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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Berlin sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,203 a month

Green Lake County: $1,410 a month

Without a mortgage

$558 a month

Green Lake County: $577 a month

Owners with a mortgage

54%

Green Lake County: 55%

The typical cost for an owner with a mortgage in Berlin is $1,203 a month, less than in Green Lake County ($1,410); without one, $558.

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

Much as in Green Lake County, the typical home value in Berlin rose 47% since 2015–2019.

Since 2015–2019, the typical rent in Berlin did not change clearly, according to the Census.

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

MeasureBerlinGreen Lake 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 estimate1.7%1.7%3.4%
People per household 2.212.282.332.53
Drive alone 81%75%74%69%
Carpool 6%7%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate11%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes10 to 19 minutes20 to 29 minutes

A household in Berlin has 2.21 people on average, about the same as in Green Lake County (2.28).

In Berlin, 81% of workers drive alone to work; in Green Lake County, 75%.

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 Berlin?

A typical home is tight for the typical income

We start with a typical home in Berlin, worth $160,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Berlin, which is $59,472 a year. For that payment to be 28% of income, a household would need to earn about $60,643 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Berlin. 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 $5,611 (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

$1,415

at 7.18% · 30 years

Loan amount
$157,396
Total interest
$226,456
Paid off in
November 2056

Includes $2,707 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,388 a month

  • Tight

    $1,388 to $1,784 a month

    Your payment · 29%

  • Hard

    more than $1,784 a month

Compared with the typical household income in Berlin ($59,472 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,415
Principal & interest$1,066
Property tax$211
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,611 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

Berlin and Green Lake County

Berlin is in Green Lake 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).

Berlin's own numbers

Typical home value
$160,300
Typical monthly rent
$832
Typical yearly household income
$59,472
Households that own their home
57%
Effective property tax rate
1.58%

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

Numbers for all of Green Lake 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)
+73%
Homes in a high flood-risk zone
2.2%

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 Green Lake County.

Everything about Green Lake County

Buying

Buying a home in Berlin

A typical home in Berlin is worth $160,300: 26% below the county and 40% below Wisconsin. With the typical household income in Berlin ($59,472 a year), a typical home costs 2.7 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.

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

How prices have changed in Green Lake County

According to FHFA’s house price index, home prices in Green Lake County rose 98% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +6.9% +5.4% +2.9%
5 years (2020–2025) +73% +57% +47%
10 years (2015–2025) +98% +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

Berlin next to Green Lake 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
  • Berlin $160,300
  • Green Lake $215,400
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Berlin $832
  • Green Lake $818
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Berlin $59,472
  • Green Lake $68,196
  • Wisconsin $77,485
  • United States $80,734
See the full table
Berlin next to Green Lake County and Wisconsin
Measure Berlin Green Lake County Wisconsin U.S.
Typical home value $160,300 $215,400 $266,500 $332,700
Typical monthly rent $832 $818 $1,087 $1,413
Typical yearly household income $59,472 $68,196 $77,485 $80,734
Households that own their home 57% 74% 68% 65%
Typical yearly property tax $2,530 $2,718 $3,792 $3,119
Effective property tax rate 1.58% 1.26% 1.42% 0.94%
Renters with high rent for their income 47% 44% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Green Lake 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 Berlin

For a typical $160,300 home in Berlin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berlin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,415a month

    Least cash to close
    Down payment
    $5,611
    Cash to close
    $10,420
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,386a month

    Down payment
    $8,015
    Cash to close
    $12,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $1,147a month

    Down payment
    $32,060
    Cash to close
    $36,869
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,295a month

    Down payment
    $24,045
    Cash to close
    $28,854
    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 Berlin and for Green Lake County.

Property tax

Effective rate in Berlin

1.58%of the home’s value each year

$2,530 a year for the typical owner in Berlin.

  • Berlin 1.58%
  • Green Lake 1.26%
  • 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 Green Lake County

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

Homes in the high-risk zone
2.2%
202
Of those, with NFIP insurance
10%
County Wisconsin U.S.
Homes in the high-risk zone 2.2% 1.4% 3.5%
Of those, with NFIP insurance 10% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Berlin

Typical rent in Berlin is $832 a month: about the same as the county. In Berlin, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Green Lake 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 Green Lake 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 $732 $14.08 $29,280
1 bedroom $775 $14.90 $31,000
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,220 $23.46 $48,800
4 bedrooms $1,333 $25.63 $53,320

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 Berlin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berlin is in ZIP code 54923.

For 2 bedrooms it is $1,040: $26 more than the fair market rent for Green Lake County ($1,014).

  • 54923 $1,040$1,390

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berlin 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 Berlin

HUD lists 6 buildings with rents for lower incomes in Berlin. These are the largest.

  • Berlin Housing 136 N Capron St, Berlin 54923 54 low-income homes · For families (608) 836-1152
  • The Edgewater 310 Mound St, Berlin 54923 42 low-income homes · For older adults (815) 282-0022
  • Historic Berlin School Apartments 289 E Huron St, Berlin 54923 40 homes, 34 low-income · 2 bd: 21 · 3 bd: 19 · In service since 2015
  • Whiting Hotel 103 N Wisconsin St, Berlin 54923 11 homes, 8 low-income · 1 bd: 2 · 2 bd: 9 · In service since 1991
  • Berlin Senior Village 285 Jackson St, Berlin 54923 24 homes, 7 low-income · 2 bd: 24 · In service since 2013

See all 10 buildings in Green Lake County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Berlin

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 Green Lake County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Berlin

No down payment, repair or rent-help program on our list is for Berlin or Green Lake County. The ones below are statewide in Wisconsin: they work in Berlin 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 Berlin

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

  • CCCS of Sheboygan

    17 Forest Avenue, Suite 016, Fond Du Lac · 28 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (920) 907-4344

  • CCCS of Sheboygan

    139 N. Main St. Suite 101, West Bend · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (262) 306-9241

  • Catholic Charities Diocese of Green Bay

    1825 Riverside Dr, Green Bay · 58 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (920) 272-8234

All counseling agencies in Wisconsin

Help in Spanish near Berlin

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 Berlin

HUD lists no housing authority with an office in Green Lake County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Wisconsin Source: HUD

Cities

Nearby cities

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

Everything about Green Lake County Housing in Wisconsin

Neighboring counties

If Green Lake 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 Berlin.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Berlin

Short answers with the numbers for Berlin and all of Green Lake 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 Berlin?

The typical home value in Berlin is $160,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Green Lake County it is $215,400.

How much does it cost to rent in Berlin?

Typical rent in Berlin is $832 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Green Lake County is $1,014.

What is the FHA loan limit in Berlin?

Berlin uses the FHA limit for all of Green Lake 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 Berlin?

The typical homeowner in Berlin pays $2,530 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Green Lake County, the rate is 1.26%.

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

We found no HUD-approved counseling agencies with an office in Green Lake 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).