Español

Este sitio también está en español. Leer en español

City · 5,782 residents · Rock County, Wisconsin

Evansville , Wisconsin

In Evansville, a typical home is worth $276,400 and typical rent is $1,093 a month. Compared with all of Rock County, the typical home value is 19% higher and typical household income is 7% higher.

WhatsApp

  • Typical home value

    $276,400

    19% above the county

    4% above Wisconsin

    • Evansville
    • Rock
    • Wisconsin

  • Typical rent

    $1,093a month

    5% above the county

    About the same as Wisconsin

    • Evansville
    • Rock
    • Wisconsin

  • Typical household income

    $81,149a year

    7% above the county

    5% above Wisconsin

    • Evansville
    • Rock
    • Wisconsin

  • Households that own their home

    69%

    3 points below the county

    1 points above Wisconsin

    • Evansville
    • Rock
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$368,926
5.6% more than 12 months ago

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

Evansville 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 Evansville apart

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

  1. Nearby, in Janesville, the typical home value is $223,400: 19% less than in Evansville ($276,400).

  2. The typical home in Evansville is worth $276,400, 19% more than in Rock County as a whole ($231,600).

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

The homes here

Housing in Evansville

What homes there are in Evansville, 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 Evansville, 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

$1,934 a month

Rock County: $1,538 a month

Without a mortgage

$658 a month

Rock County: $632 a month

Owners with a mortgage

77%

Rock County: 63%

In Evansville, 77% of owners have a mortgage, and their typical cost is $1,934 a month, against $1,538 in Rock County. Without one it drops to $658.

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

Homes in Evansville gained value more slowly than in Rock County: 48% since 2015–2019, against 58%.

The typical rent in Evansville rose 53% over the same time; in Rock County, it rose 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

MeasureEvansvilleRock 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 2.192.412.332.53
Drive alone 78%80%74%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 10%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

On average, a household in Evansville has 2.19 people, fewer than in Rock County (2.41).

To get to work, 78% of workers in Evansville drive alone; in Rock County, 80%.

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 Evansville?

A typical home costs more than the typical income allows

We start with a typical home in Evansville, worth $276,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Evansville, which is $81,149 a year. For that payment to be 28% of income, a household would need to earn about $106,934 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 Evansville. 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 $9,674 (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

$2,495

at 7.18% · 30 years

Loan amount
$271,394
Total interest
$390,472
Paid off in
November 2056

Includes $4,668 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,893 a month

  • Tight

    $1,893 to $2,434 a month

  • Hard

    more than $2,434 a month

    Your payment · 37%

Compared with the typical household income in Evansville ($81,149 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,495
Principal & interest$1,839
Property tax$419
Home insurance$115
FHA mortgage insurance (MIP)$122

You need at least $9,674 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

Evansville and Rock County

Evansville 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).

Evansville's own numbers

Typical home value
$276,400
Typical monthly rent
$1,093
Typical yearly household income
$81,149
Households that own their home
69%
Effective property tax rate
1.82%

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 Evansville

A typical home in Evansville is worth $276,400: 19% above the county and 4% above Wisconsin. With the typical household income in Evansville ($81,149 a year), a typical home costs 3.4 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.

  • Evansville 3.4 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

Evansville 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
  • Evansville $276,400
  • Rock $231,600
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Evansville $1,093
  • Rock $1,037
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Evansville $81,149
  • Rock $75,673
  • Wisconsin $77,485
  • United States $80,734
See the full table
Evansville next to Rock County and Wisconsin
Measure Evansville Rock County Wisconsin U.S.
Typical home value $276,400 $231,600 $266,500 $332,700
Typical monthly rent $1,093 $1,037 $1,087 $1,413
Typical yearly household income $81,149 $75,673 $77,485 $80,734
Households that own their home 69% 71% 68% 65%
Typical yearly property tax $5,018 $3,703 $3,792 $3,119
Effective property tax rate 1.82% 1.6% 1.42% 0.94%
Renters with high rent for their income 38% 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 Evansville

For a typical $276,400 home in Evansville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Evansville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,495a month

    Least cash to close
    Down payment
    $9,674
    Cash to close
    $17,966
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $122

  • Conventional, 5% down $2,444a month

    Down payment
    $13,820
    Cash to close
    $22,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $131

  • Conventional, 20% down, no PMI $2,032a month

    Down payment
    $55,280
    Cash to close
    $63,572
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,288a month

    Down payment
    $41,460
    Cash to close
    $49,752
    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 Evansville and for Rock County.

Property tax

Effective rate in Evansville

1.82%of the home’s value each year

$5,018 a year for the typical owner in Evansville.

  • Evansville 1.82%
  • 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 Evansville

Typical rent in Evansville is $1,093 a month: 5% above the county. In Evansville, 38% 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 Evansville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Evansville is in ZIP code 53536.

For 2 bedrooms it is $1,260: $20 less than the fair market rent for Rock County ($1,280).

  • 53536 $1,260$1,600

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

HUD lists 4 buildings with rents for lower incomes in Evansville. These are the largest.

  • Arbor Glen 740 Brown School Rd, Evansville 53536 24 low-income homes · 1 bd: 19 · 2 bd: 5 · In service since 2001
  • Seminary Park Apt Homes 120 College Dr, Evansville 53536 24 low-income homes · 1 bd: 7 · 2 bd: 10 · 3 bd: 4 · 4 bd: 3 · In service since 2000
  • Baker Block Apt Homes 101 E Main St, Evansville 53536 20 low-income homes · 1 bd: 11 · 2 bd: 9 · In service since 2002
  • South Meadows Apartments 455 S 1st St, Evansville 53536 20 low-income homes · For older adults (608) 882-4518

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

Free help

Help to buy or rent in Evansville

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Evansville

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

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

  • Foundation for Rural Housing Inc

    156 N Main St, Oregon · 11 miles away

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

  • Urban League of Greater Madison

    2222 S Park St Ste 200, Madison · 19 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (608) 729-1200

  • 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 Evansville

2 of the 3 agencies on this list say they serve 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 Evansville

HUD’s record names them for Evansville 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 Evansville, 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 Evansville.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Evansville

Short answers with the numbers for Evansville 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 Evansville?

The typical home value in Evansville is $276,400, 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 Evansville?

Typical rent in Evansville is $1,093 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 Evansville?

Evansville 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 Evansville?

The typical homeowner in Evansville pays $5,018 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Rock County, the rate is 1.6%.

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

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).