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City · 6,014 residents · Rock County, Wisconsin

Edgerton , Wisconsin

In Edgerton, a typical home is worth $266,900 and typical rent is $961 a month. Compared with all of Rock County, the typical home value is 15% higher, typical rent is 7% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $266,900

    15% above the county

    About the same as Wisconsin

    • Edgerton
    • Rock
    • Wisconsin

  • Typical rent

    $961a month

    7% below the county

    12% below Wisconsin

    • Edgerton
    • Rock
    • Wisconsin

  • Typical household income

    $72,489a year

    4% below the county

    6% below Wisconsin

    • Edgerton
    • Rock
    • Wisconsin

  • Households that own their home

    62%

    9 points below the county

    5 points below Wisconsin

    • Edgerton
    • Rock
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$306,513
4.7% more than 12 months ago

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

Edgerton 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Edgerton apart

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

  1. Nearby, in Fort Atkinson, the typical home value is $211,800: 21% less than in Edgerton ($266,900).

  2. The typical home in Edgerton is worth $266,900, 15% more than in Rock County as a whole ($231,600).

  3. 62% of households in Edgerton own their home, against 71% in Rock County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Edgerton

What homes there are in Edgerton, 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 Edgerton, 7 in 10 homes are single-family detached houses; in Rock County, 7.

Year built

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
Monthly rent with utilities

With a mortgage

$1,674 a month

Rock County: $1,538 a month

Without a mortgage

$818 a month

Rock County: $632 a month

Owners with a mortgage

73%

Rock County: 63%

Owning costs more in Edgerton: with a mortgage, the typical cost is $1,674 a month; in Rock County, $1,538. Without one, $818.

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 Edgerton rose 69%; in Rock County, it rose 58%.

The typical rent in Edgerton rose 24% since 2015–2019, about the same as in Rock County (24%).

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

MeasureEdgertonRock CountyWisconsinUnited States
Rental vacancy Unreliable estimate3.7%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimate1.4%1.7%3.4%
People per household 2.542.412.332.53
Drive alone 75%80%74%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 14%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.54 on average, against 2.41 in Rock County.

Working from home is more common in Edgerton: 14%, against 9% in Rock County.

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 Edgerton?

A typical home costs more than the typical income allows

We start with a typical home in Edgerton, worth $266,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Edgerton, which is $72,489 a year. For that payment to be 28% of income, a household would need to earn about $100,590 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Edgerton. 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 $9,342 (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

$2,347

at 7.18% · 30 years

Loan amount
$262,065
Total interest
$377,050
Paid off in
November 2056

Includes $4,507 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,691 a month

  • Tight

    $1,691 to $2,175 a month

  • Hard

    more than $2,175 a month

    Your payment · 39%

Compared with the typical household income in Edgerton ($72,489 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,347
Principal & interest$1,775
Property tax$343
Home insurance$111
FHA mortgage insurance (MIP)$118

You need at least $9,342 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

Edgerton and Rock County

Edgerton 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).

Edgerton's own numbers

Typical home value
$266,900
Typical monthly rent
$961
Typical yearly household income
$72,489
Households that own their home
62%
Effective property tax rate
1.54%

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.

Everything about Rock County

Buying

Buying a home in Edgerton

A typical home in Edgerton is worth $266,900: 15% above the county and about the same as Wisconsin. With the typical household income in Edgerton ($72,489 a year), a typical home costs 3.7 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.

  • Edgerton 3.7 years
  • Rock 3.1 years
  • Wisconsin 3.4 years
  • United States 4.1 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.

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

Edgerton 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
  • Edgerton $266,900
  • Rock $231,600
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Edgerton $961
  • Rock $1,037
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Edgerton $72,489
  • Rock $75,673
  • Wisconsin $77,485
  • United States $80,734
See the full table
Edgerton next to Rock County and Wisconsin
Measure Edgerton Rock County Wisconsin U.S.
Typical home value $266,900 $231,600 $266,500 $332,700
Typical monthly rent $961 $1,037 $1,087 $1,413
Typical yearly household income $72,489 $75,673 $77,485 $80,734
Households that own their home 62% 71% 68% 65%
Typical yearly property tax $4,116 $3,703 $3,792 $3,119
Effective property tax rate 1.54% 1.6% 1.42% 0.94%
Renters with high rent for their income 42% 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 Edgerton

For a typical $266,900 home in Edgerton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edgerton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,347a month

    Least cash to close
    Down payment
    $9,342
    Cash to close
    $17,349
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $118

  • Conventional, 5% down $2,298a month

    Down payment
    $13,345
    Cash to close
    $21,352
    Rate
    7.18%
    Mortgage insurance
    PMI · $127

  • Conventional, 20% down, no PMI $1,900a month

    Down payment
    $53,380
    Cash to close
    $61,387
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,147a month

    Down payment
    $40,035
    Cash to close
    $48,042
    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 Edgerton and for Rock County.

Property tax

Effective rate in Edgerton

1.54%of the home’s value each year

$4,116 a year for the typical owner in Edgerton.

  • Edgerton 1.54%
  • Rock 1.6%
  • 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 Rock County

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

Homes in the high-risk zone
1%
529
Of those, with NFIP insurance
33%
County Wisconsin U.S.
Homes in the high-risk zone 1% 1.4% 3.5%
Of those, with NFIP insurance 33% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Edgerton

Typical rent in Edgerton is $961 a month: 7% below the county. In Edgerton, 42% 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.

HUD fair market rent for all of Rock 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 $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 Edgerton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edgerton is in ZIP code 53534.

For 2 bedrooms it is $1,530: $250 more than the fair market rent for Rock County ($1,280).

  • 53534 $1,530$2,020

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

HUD lists 3 buildings with rents for lower incomes in Edgerton. These are the largest.

  • Elm Drive Apts 1 800 Elm Dr, Edgerton 53534 105 homes, 104 low-income · Run by City of Edgerton Housing Authority · Average payment: $425 a month · Average wait: 3 months (608) 884-8454
  • Edgewood Glen Senior Living Community 105 Thronson Dr, Edgerton 53534 21 low-income homes · 1 bd: 8 · 2 bd: 13 · In service since 1999
  • Fulton Street Apts 813 W Fulton St, Edgerton 53534 16 low-income homes · 1 bd: 8 · 2 bd: 8 · In service since 1997

See all 41 buildings in Rock County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Edgerton

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.

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 Edgerton

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

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

  • Jefferson County at Home

    874 Collins Rd, Jefferson · 16 miles away

    • Home improvement and repairs
    • Pre-purchase counseling
    • and 2 more
    (920) 674-7500

  • Foundation for Rural Housing Inc

    156 N Main St, Oregon · 17 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (608) 238-3448

  • Movin' Out, Inc.

    902 Royster Oaks Dr, Madison · 21 miles away · Spanish

    Also serves in Hmong.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (608) 518-4446

Every agency in Rock County All counseling agencies in Wisconsin

Help in Spanish near Edgerton

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 Edgerton

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

3 other authorities have an office in Rock County: see the list Source: HUD

Cities

Other cities in Rock County

These cities are also in Rock County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Rock County Housing in Wisconsin

Nearby cities

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

Neighboring counties

If Rock 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 Edgerton.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Edgerton

Short answers with the numbers for Edgerton 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 Edgerton?

The typical home value in Edgerton is $266,900, 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 Edgerton?

Typical rent in Edgerton is $961 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 Edgerton?

Edgerton 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 Edgerton?

The typical homeowner in Edgerton pays $4,116 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Rock County, the rate is 1.6%.

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

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.

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).