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City · 15,821 residents · Washington County, Wisconsin

Hartford , Wisconsin

In Hartford, a typical home is worth $297,100 and typical rent is $1,110 a month. Compared with all of Washington County, typical household income is 15% lower, the typical home value is 14% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $297,100

    14% below the county

    11% above Wisconsin

    • Hartford
    • Washington
    • Wisconsin

  • Typical rent

    $1,110a month

    4% below the county

    2% above Wisconsin

    • Hartford
    • Washington
    • Wisconsin

  • Typical household income

    $82,014a year

    15% below the county

    6% above Wisconsin

    • Hartford
    • Washington
    • Wisconsin

  • Households that own their home

    66%

    12 points below the county

    2 points below Wisconsin

    • Hartford
    • Washington
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$380,552
4.7% more than 12 months ago

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

Hartford is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hartford apart

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

  1. 66% of households in Hartford own their home, against 78% in Washington County.

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

The homes here

Housing in Hartford

What homes there are in Hartford, 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 Hartford, 6 in 10 homes are single-family detached houses; in Washington County, 7.

Year built

Homes in Hartford are newer: the typical year built is 1993; in Washington County, 1986.

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

$1,653 a month

Washington County: $1,932 a month

Without a mortgage

$633 a month

Washington County: $675 a month

Owners with a mortgage

79%

Washington County: 65%

In Hartford, 79% of owners have a mortgage, and their typical cost is $1,653 a month, against $1,932 in Washington County. Without one it drops to $633.

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

Since 2015–2019, homes in Hartford gained value faster than in Washington County: 58% against 46%.

Since 2015–2019, the typical rent in Hartford rose 36%, more than in Washington County (27%).

The typical household income in Hartford rose 44% over that time; home values changed +58% and rent +36%.

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

MeasureHartfordWashington 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 estimate0.8%1.7%3.4%
People per household 2.362.402.332.53
Drive alone 76%78%74%69%
Carpool 8%6%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 15%14%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

Much as in Washington County, a household in Hartford has 2.36 people on average.

In Hartford, 76% of workers drive alone to work; in Washington County, 78%.

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 Hartford?

A typical home costs more than the typical income allows

We start with a typical home in Hartford, worth $297,100, 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 Hartford, which is $82,014 a year. For that payment to be 28% of income, a household would need to earn about $107,834 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hartford. 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 $10,399 (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

$2,516

at 7.18% · 30 years

Loan amount
$291,718
Total interest
$419,714
Paid off in
November 2056

Includes $5,017 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,914 a month

  • Tight

    $1,914 to $2,460 a month

  • Hard

    more than $2,460 a month

    Your payment · 37%

Compared with the typical household income in Hartford ($82,014 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,516
Principal & interest$1,976
Property tax$285
Home insurance$124
FHA mortgage insurance (MIP)$131

You need at least $10,399 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

Hartford and Washington County

Hartford is in Washington 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).

Hartford's own numbers

Typical home value
$297,100
Typical monthly rent
$1,110
Typical yearly household income
$82,014
Households that own their home
66%
Effective property tax rate
1.15%

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

Numbers for all of Washington County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,263
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1.2%

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 Washington County.

Everything about Washington County

Buying

Buying a home in Hartford

A typical home in Hartford is worth $297,100: 14% below the county and 11% above Wisconsin. With the typical household income in Hartford ($82,014 a year), a typical home costs 3.6 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.

  • Hartford 3.6 years
  • Washington 3.6 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 88% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +5.9% +5.4% +2.9%
5 years (2020–2025) +54% +57% +47%
10 years (2015–2025) +88% +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

Hartford next to Washington 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
  • Hartford $297,100
  • Washington $344,800
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Hartford $1,110
  • Washington $1,153
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Hartford $82,014
  • Washington $96,359
  • Wisconsin $77,485
  • United States $80,734
See the full table
Hartford next to Washington County and Wisconsin
Measure Hartford Washington County Wisconsin U.S.
Typical home value $297,100 $344,800 $266,500 $332,700
Typical monthly rent $1,110 $1,153 $1,087 $1,413
Typical yearly household income $82,014 $96,359 $77,485 $80,734
Households that own their home 66% 78% 68% 65%
Typical yearly property tax $3,413 $3,802 $3,792 $3,119
Effective property tax rate 1.15% 1.1% 1.42% 0.94%
Renters with high rent for their income 48% 46% 44% 51%

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

For a typical $297,100 home in Hartford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hartford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,516a month

    Least cash to close
    Down payment
    $10,399
    Cash to close
    $19,312
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,462a month

    Down payment
    $14,855
    Cash to close
    $23,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,019a month

    Down payment
    $59,420
    Cash to close
    $68,333
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,293a month

    Down payment
    $44,565
    Cash to close
    $53,478
    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 Hartford and for Washington County.

Property tax

Effective rate in Hartford

1.15%of the home’s value each year

$3,413 a year for the typical owner in Hartford.

  • Hartford 1.15%
  • Washington 1.1%
  • 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 Washington County

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

Homes in the high-risk zone
1.2%
462
Of those, with NFIP insurance
37%
County Wisconsin U.S.
Homes in the high-risk zone 1.2% 1.4% 3.5%
Of those, with NFIP insurance 37% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hartford

Typical rent in Hartford is $1,110 a month: 4% below the county. In Hartford, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,263 a month) without spending more than 30% of your income, you would need to earn $24.29 an hour working full time.

HUD fair market rent for all of Washington 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 $985 $18.94 $39,400
1 bedroom $1,060 $20.38 $42,400
2 bedrooms $1,263 $24.29 $50,520
3 bedrooms $1,553 $29.87 $62,120
4 bedrooms $1,664 $32.00 $66,560

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 Hartford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hartford is in ZIP code 53027.

For 2 bedrooms it is $1,210: $53 less than the fair market rent for Washington County ($1,263).

  • 53027 $1,210$1,490

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

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

  • Parkside Village 325 Park Ave, Hartford 53027 49 low-income homes · 1 bd: 30 · 2 bd: 19 · In service since 2000
  • Harthaven 33 High St, Hartford 53027 45 low-income homes · For older adults (262) 673-8217
  • Washington Heights 525 N Main St, Hartford 53027 50 homes, 38 low-income · 1 bd: 38 · 2 bd: 12 · In service since 2004 · For older adults
  • Timber Ridge Apartments 729 Timberline Trl, Hartford 53027 32 low-income homes · For families (262) 367-1515

See all 20 buildings in Washington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hartford

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 Washington 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 Hartford

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

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

  • CCCS of Sheboygan

    139 N. Main St. Suite 101, West Bend · 12 miles away

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

  • Operation Hope- Milwaukee Wi

    7500 W Good Hope Rd, Milwaukee · 22 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 6 more
    (414) 426-2239

  • Housing Resources Inc - Waukesha

    217 Wisconsin Avenue Suite 411, Waukesha · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (262) 522-1230

Every agency in Washington County All counseling agencies in Wisconsin

Help in Spanish near Hartford

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 Hartford

In HUD’s record, no housing authority with an office in Washington County is named for Hartford or Washington County.

One other authority has an office in Washington County: see the list Source: HUD

Cities

Other cities in Washington County

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

Everything about Washington County Housing in Wisconsin

Nearby cities

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

Neighboring counties

If Washington 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 Hartford.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Hartford

Short answers with the numbers for Hartford and all of Washington 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 Hartford?

The typical home value in Hartford is $297,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $344,800.

How much does it cost to rent in Hartford?

Typical rent in Hartford is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,263.

What is the FHA loan limit in Hartford?

Hartford uses the FHA limit for all of Washington 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 Hartford?

The typical homeowner in Hartford pays $3,413 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Washington County, the rate is 1.1%.

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

There is 1 HUD-approved counseling agency with an office in Washington 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).