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City · 44,494 residents · Fond du Lac County, Wisconsin

Fond du Lac , Wisconsin

In Fond du Lac, a typical home is worth $173,700 and typical rent is $913 a month. Compared with all of Fond du Lac County, the typical home value is 22% lower, typical household income is 16% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $173,700

    22% below the county

    35% below Wisconsin

    • Fond du Lac
    • County
    • Wisconsin

  • Typical rent

    $913a month

    5% below the county

    16% below Wisconsin

    • Fond du Lac
    • County
    • Wisconsin

  • Typical household income

    $62,260a year

    16% below the county

    20% below Wisconsin

    • Fond du Lac
    • County
    • Wisconsin

  • Households that own their home

    58%

    13 points below the county

    10 points below Wisconsin

    • Fond du Lac
    • County
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$262,710
4.6% more than 12 months ago
Typical rent
$1,196 a month
8.1% more than 12 months ago

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

Fond du Lac is in Fond du Lac 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 Fond du Lac County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fond du Lac apart

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

  1. The typical home in Fond du Lac is worth $173,700, 22% less than in Fond du Lac County as a whole ($222,800).

  2. 58% of households in Fond du Lac own their home, against 71% in Fond du Lac County.

  3. Nearby, in Ripon, the typical rent is $775: 15% less than in Fond du Lac ($913).

  4. The typical household income in Fond du Lac is $62,260, 16% less than in Fond du Lac County as a whole ($74,275).

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

The homes here

Housing in Fond du Lac

What homes there are in Fond du Lac, 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

The detached house is still the most common home in Fond du Lac, but it weighs less than in Fond du Lac County: 59% against 70%.

Year built

The typical home in Fond du Lac was built in 1967, 4 years before the typical one in Fond du Lac County.

There are fewer big homes in Fond du Lac than in Fond du Lac County: 53% have 3 bedrooms or more, against 64%.

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

The FHA limit for Fond du Lac County is high ($541,287): at least 98% of owner-occupied homes in Fond du Lac are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Fond du Lac County is $1,224; about 75% of rents in Fond du Lac are below it.

With a mortgage

$1,351 a month

Fond du Lac County: $1,502 a month

Without a mortgage

$605 a month

Fond du Lac County: $640 a month

Owners with a mortgage

58%

Fond du Lac County: 57%

The typical cost for an owner with a mortgage in Fond du Lac is $1,351 a month, less than in Fond du Lac County ($1,502); without one, $605.

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 Fond du Lac gained value more slowly than in Fond du Lac County: 38% since 2015–2019, against 41%.

Rents in Fond du Lac rose more slowly than in Fond du Lac County: 25% since 2015–2019, against 29%.

Housing prices ran ahead of income in Fond du Lac: typical income rose 18%, against +38% for home values and +25% for rent.

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

MeasureFond du LacFond du Lac CountyWisconsinUnited States
Rental vacancy Unreliable estimate5.2%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room 2.1%1.5%1.7%3.4%
People per household 2.222.332.332.53
Drive alone 76%79%74%69%
Carpool 9%8%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%3%3%3%
Work from home 9%9%13%15%
Other means 2%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Fond du Lac, 2.1% of households live with more than one person per room, about the same as in Fond du Lac County.

Much as in Fond du Lac County, a household in Fond du Lac has 2.22 people on average.

In Fond du Lac, 76% of workers drive alone to work; in Fond du Lac County, 79%.

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 Fond du Lac?

A typical home is tight for the typical income

We start with a typical home in Fond du Lac, worth $173,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Fond du Lac, which is $62,260 a year. For that payment to be 28% of income, a household would need to earn about $66,891 a year.

The calculator's FHA and conventional loan limits are those of all of Fond du Lac County.

Your numbers

Local data
$

Starts at the typical home value in Fond du Lac. 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 $6,080 (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

$1,561

at 7.18% · 30 years

Loan amount
$170,553
Total interest
$245,386
Paid off in
November 2056

Includes $2,933 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,453 a month

  • Tight

    $1,453 to $1,868 a month

    Your payment · 30%

  • Hard

    more than $1,868 a month

Compared with the typical household income in Fond du Lac ($62,260 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,561
Principal & interest$1,155
Property tax$256
Home insurance$72
FHA mortgage insurance (MIP)$77

You need at least $6,080 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

Fond du Lac and Fond du Lac County

Fond du Lac is in Fond du Lac 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).

Fond du Lac's own numbers

Typical home value
$173,700
Typical monthly rent
$913
Typical yearly household income
$62,260
Households that own their home
58%
Effective property tax rate
1.77%

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

Numbers for all of Fond du Lac County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,224
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
4.8%

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 Fond du Lac County.

Everything about Fond du Lac County

Buying

Buying a home in Fond du Lac

A typical home in Fond du Lac is worth $173,700: 22% below the county and 35% below Wisconsin. With the typical household income in Fond du Lac ($62,260 a year), a typical home costs 2.8 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.

  • Fond du Lac 2.8 years
  • County 3.0 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fond du Lac County

According to FHFA’s house price index, home prices in Fond du Lac County rose 95% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Fond du Lac County.

Period County Wisconsin U.S.
Last year (2025) +7.8% +5.4% +2.9%
5 years (2020–2025) +64% +57% +47%
10 years (2015–2025) +95% +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

Fond du Lac next to Fond du Lac 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
  • Fond du Lac $173,700
  • County $222,800
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Fond du Lac $913
  • County $960
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Fond du Lac $62,260
  • County $74,275
  • Wisconsin $77,485
  • United States $80,734
See the full table
Fond du Lac next to Fond du Lac County and Wisconsin
Measure Fond du Lac Fond du Lac County Wisconsin U.S.
Typical home value $173,700 $222,800 $266,500 $332,700
Typical monthly rent $913 $960 $1,087 $1,413
Typical yearly household income $62,260 $74,275 $77,485 $80,734
Households that own their home 58% 71% 68% 65%
Typical yearly property tax $3,074 $3,365 $3,792 $3,119
Effective property tax rate 1.77% 1.51% 1.42% 0.94%
Renters with high rent for their income 45% 41% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fond du Lac 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 Fond du Lac

For a typical $173,700 home in Fond du Lac, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fond du Lac's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,561a month

    Least cash to close
    Down payment
    $6,080
    Cash to close
    $11,291
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,529a month

    Down payment
    $8,685
    Cash to close
    $13,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,270a month

    Down payment
    $34,740
    Cash to close
    $39,951
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,431a month

    Down payment
    $26,055
    Cash to close
    $31,266
    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 Fond du Lac and for Fond du Lac County.

Property tax

Effective rate in Fond du Lac

1.77%of the home’s value each year

$3,074 a year for the typical owner in Fond du Lac.

  • Fond du Lac 1.77%
  • County 1.51%
  • 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 Fond du Lac County

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

Homes in the high-risk zone
4.8%
1,844
Of those, with NFIP insurance
18%
County Wisconsin U.S.
Homes in the high-risk zone 4.8% 1.4% 3.5%
Of those, with NFIP insurance 18% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fond du Lac

Typical rent in Fond du Lac is $913 a month: 5% below the county. In Fond du Lac, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fond du Lac County, by unit size. To pay the 2-bedroom one ($1,224 a month) without spending more than 30% of your income, you would need to earn $23.54 an hour working full time.

HUD fair market rent for all of Fond du Lac 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 $852 $16.38 $34,080
1 bedroom $983 $18.90 $39,320
2 bedrooms $1,224 $23.54 $48,960
3 bedrooms $1,560 $30.00 $62,400
4 bedrooms $1,736 $33.38 $69,440

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 Fond du Lac

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fond du Lac has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,180 in 54935 to $1,400 in 54937.

1 of the 2 is above the fair market rent for Fond du Lac County ($1,224).

  • 54935 $1,180$1,500
  • 54937 $1,400$1,780

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fond du Lac 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 Fond du Lac

HUD lists 19 buildings with rents for lower incomes in Fond du Lac. These are the largest.

  • Fond du Lac City 15 N Marr St, Fond Du Lac 54935 260 homes, 242 low-income · Run by Fond du Lac Housing Authority · Average payment: $407 a month · Average wait: 15 months (920) 929-3107
  • Portland Square/Oakwood 55 N Portland St, Fond Du Lac 54935 110 low-income homes · For families (920) 922-2562
  • Riverview Apts 101 Western Ave, Fond Du Lac 54935 101 low-income homes · For older adults (920) 921-7298
  • Westnor Apartments 653 W Arndt St, Fond Du Lac 54935 100 low-income homes · For older adults (920) 929-3107, ext. 102
  • Maplewood Commons 912 Martin Ave, Fond Du Lac 54935 82 low-income homes · 2 bd: 32 · 3 bd: 50 · In service since 2004 · For families (920) 922-2019

See all 32 buildings in Fond du Lac County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fond du Lac

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 Fond du Lac County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Fond du Lac

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

The HUD-approved agencies closest to the center of Fond du Lac, 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 · 1 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 · 27 miles away

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

  • CCCS of Sheboygan

    1930 N 8th St, Sheboygan · 36 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (920) 458-3784

Every agency in Fond du Lac County All counseling agencies in Wisconsin

Help in Spanish near Fond du Lac

None 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 Fond du Lac

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

  • Fond du Lac Housing Authority Public housing (920) 929-3107
  • Fond du Lac County Housing Authority Public housing and Section 8 vouchers (920) 929-3107

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Fond du Lac County

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

Everything about Fond du Lac County Housing in Wisconsin

Nearby cities

The cities closest to Fond du Lac, with the typical home value.

Neighboring counties

If Fond du Lac 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 Fond du Lac.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Fond du Lac

Short answers with the numbers for Fond du Lac and all of Fond du Lac 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 Fond du Lac?

The typical home value in Fond du Lac is $173,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fond du Lac County it is $222,800.

How much does it cost to rent in Fond du Lac?

Typical rent in Fond du Lac is $913 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fond du Lac County is $1,224.

What is the FHA loan limit in Fond du Lac?

Fond du Lac uses the FHA limit for all of Fond du Lac 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 Fond du Lac?

The typical homeowner in Fond du Lac pays $3,074 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Fond du Lac County, the rate is 1.51%.

Where can I find free help to buy or rent in Fond du Lac?

There is 1 HUD-approved counseling agency with an office in Fond du Lac 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).