In Howard, a typical home is worth $315,700 and typical rent is $1,102 a month. Compared with all of Brown County, the typical home value is 19% higher and typical household income is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $299,928 to $397,635.
Typical rent
$1,424a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Howard is in Brown 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 Brown County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Green Bay, the typical home value is $207,200: 34% less than in Howard ($315,700).
2
Nearby, in Green Bay, the typical rent is $932: 15% less than in Howard ($1,102).
3
The typical home in Howard is worth $315,700,19% more than in Brown County as a whole ($266,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Howard
What homes there are in Howard, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Howard
Brown County
Wisconsin
United States
Kind of home: Howard and its comparisons
Measure
Howard
Brown County
Wisconsin
United States
Detached house
61%
64%
66%
61%
Attached house
6%
6%
4%
6%
Building of 2 to 4
5%
8%
9%
8%
Apartments (5 or more)
28%
21%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Howard, 6 in 10 homes are single-family detached houses; in Brown County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Howard
Brown County
Wisconsin
United States
Year built: Howard and its comparisons
Measure
Howard
Brown County
Wisconsin
United States
Before 1960
6%
22%
33%
26%
1960–1979
25%
26%
24%
24%
1980–1999
30%
26%
22%
25%
2000–2009
18%
14%
13%
14%
2010 or later
22%
12%
9%
11%
Here half of the homes date from 1995 or later; in Brown County, from 1981 or later.
In Howard, 61% of homes have 3 bedrooms or more, about the same as in Brown County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K11%
$200K–$300K31%
$300K–$500K45%
$500K–$750K8%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Howard and its comparisons
Measure
Howard
Under $100K
Unreliable estimate
$100K–$200K
11%
$200K–$300K
31%
$300K–$500K
45%
$500K–$750K
8%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49948%
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Howard and its comparisons
Measure
Howard
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
48%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,787 a month
Brown County: $1,602 a month
Without a mortgage
$633 a month
Brown County: $618 a month
Owners with a mortgage
65%
Brown County: 63%
Owning costs more in Howard: with a mortgage, the typical cost is $1,787 a month; in Brown County, $1,602. Without one, $633.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Howard+49%
Brown County+53%
Wisconsin+48%
United States+53%
Typical rent
Howard+33%
Brown County+30%
Wisconsin+27%
United States+33%
Typical household income
Howard+21%
Brown County+28%
Wisconsin+26%
United States+29%
Change since 2015–2019: Howard and its comparisons
Measure
Howard
Brown County
Wisconsin
United States
Typical home value
+49%
+53%
+48%
+53%
Typical rent
+33%
+30%
+27%
+33%
Typical household income
+21%
+28%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Howard rose 49%; in Brown County, it rose 53%.
The typical rent in Howard rose 33% over the same time; in Brown County, it rose 30%.
Here income did not keep up with housing: it rose 21%, while home values changed +49% and rent +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Howard and its comparisons
Measure
Howard
Brown County
Wisconsin
United States
Rental vacancy
Unreliable estimate
3.5%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.5%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.7%
3.4%
People per household
2.37
2.38
2.33
2.53
Drive alone
77%
77%
74%
69%
Carpool
8%
7%
7%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
14%
13%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
By size, households in Howard look like those in Brown County: 2.37 people on average.
In Howard, 77% of workers drive alone to work; in Brown County, 77%.
Do the math
What would you pay each month for a home in Howard?
A typical home costs more than the typical income allows
We start with a typical home in Howard, worth $315,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Howard, which is $85,477 a year. For that payment to be 28% of income, a household would need to earn about $115,712 a year.
The calculator's FHA and conventional loan limits are those of all of Brown County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Howard. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,050 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,700
at 7.18% · 30 years
Loan amount
$309,981
Total interest
$445,990
Paid off in
November 2056
Includes $5,331 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,994 a month
Tight
$1,994 to $2,564 a month
Hard
more than $2,564 a month
Your payment · 38%
Compared with the typical household income in Howard ($85,477 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,100
Property tax
$329
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,050 for the down payment, plus closing costs.
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.
Total monthly payment $2,700; principal and interest $2,100.
The city and its county
Howard and Brown County
Howard is in Brown 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).
Howard
Map of Brown County, Wisconsin, with Howard marked. Around it, the neighboring counties.
Howard
Brown County
Other cities with a page
Howard's own numbers
Typical home value
$315,700
Typical monthly rent
$1,102
Typical yearly household income
$85,477
Households that own their home
64%
Effective property tax rate
1.25%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Brown County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,287
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
3.3%
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 Brown County.
A typical home in Howard is worth $315,700: 19% above the county and 18% above Wisconsin. With the typical household income in Howard ($85,477 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.
Howard3.7 years
Brown3.3 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Brown County
According to FHFA’s house price index, home prices in Brown County rose 109% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Brown County.
Yearly change in FHFA’s price index in Brown County, 2016 to 2025
2016: +4.3% +4.3% 2016
2017: +6.0% +6.0% 2017
2018: +5.7% +5.7% 2018
2019: +4.9% +4.9% 2019
2020: +2.6% +2.6% 2020
2021: +11.1% +11.1% 2021
2022: +16.1% +16.1% 2022
2023: +13.2% +13.2% 2023
2024: +6.6% +6.6% 2024
2025: +6.6% +6.6% 2025
Change in FHFA’s price index in Brown County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+6.6%
+5.4%
+2.9%
5 years (2020–2025)
+66%
+57%
+47%
10 years (2015–2025)
+109%
+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
Howard next to Brown 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
Howard$315,700
Brown$266,000
Wisconsin$266,500
United States$332,700
Typical monthly rent
Howard$1,102
Brown$1,031
Wisconsin$1,087
United States$1,413
Typical yearly household income
Howard$85,477
Brown$79,649
Wisconsin$77,485
United States$80,734
See the full table
Howard next to Brown County and Wisconsin
Measure
Howard
Brown County
Wisconsin
U.S.
Typical home value
$315,700 ▲19% above the county
$266,000
$266,500
$332,700
Typical monthly rent
$1,102 ▲7% above the county
$1,031
$1,087
$1,413
Typical yearly household income
$85,477 ▲7% above the county
$79,649
$77,485
$80,734
Households that own their home
64% ▼2 points below the county
66%
68%
65%
Typical yearly property tax
$3,948 ▲8% above the county
$3,663
$3,792
$3,119
Effective property tax rate
1.25% ▼0.13 points below the county
1.38%
1.42%
0.94%
Renters with high rent for their income
37% ▼4 points below the county
41%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brown 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 Howard
For a typical $315,700 home in Howard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Howard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,700a month
Least cash to close
Down payment
$11,050
Cash to close
$20,521
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,642a month
Down payment
$15,785
Cash to close
$25,256
Rate
7.18%
Mortgage insurance
PMI · $150
Conventional, 20% down, no PMI$2,171a month
Down payment
$63,140
Cash to close
$72,611
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,463a month
Down payment
$47,355
Cash to close
$56,826
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Howard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,700
$11,050
$309,982
7.18%
FHA MIP · $140
$20,521
580
Conventional, 5% down
$2,642
$15,785
$299,915
7.18%
PMI · $150
$25,256
620*
Conventional, 20% down, no PMI
$2,171
$63,140
$252,560
7.18%
None
$72,611
620*
ITIN, 15% down (example)
$2,463
$47,355
$268,345
8.18%
None
$56,826
Set by the lender
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.
Typical rent in Howard is $1,102 a month: 7% above the county. In Howard, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Brown County, by unit size. To pay the 2-bedroom one ($1,287 a month) without spending more than 30% of your income, you would need to earn $24.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Brown County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$979
$18.83
$39,160
1 bedroom
$1,028
$19.77
$41,120
2 bedrooms
$1,287
$24.75
$51,480
3 bedrooms
$1,697
$32.63
$67,880
4 bedrooms
$1,765
$33.94
$70,600
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 Howard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Howard has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,210 in 54303 to $1,400 in 54313.
1 of the 2 is above the fair market rent for Brown County ($1,287).
Fair market rent by ZIP code and size in Howard, fiscal year 2027.
54303
$920
$970
$1,210
$1,600
$1,660
54313
$1,070
$1,120
$1,400
$1,850
$1,920
ZIP code2 bd3 bd
54303 $1,210$1,600
54313 $1,400$1,850
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Howard 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 are 2 HUD-approved agencies with an office in Brown County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Howard or Brown County. The ones below are statewide in Wisconsin: they work in Howard the same as in the rest of the state.
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).
$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).
No legal help resource on our list is for Howard or Brown County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Howard and all of Brown 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 Howard?
The typical home value in Howard is $315,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brown County it is $266,000.
How much does it cost to rent in Howard?
Typical rent in Howard is $1,102 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brown County is $1,287.
What is the FHA loan limit in Howard?
Howard uses the FHA limit for all of Brown 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 Howard?
The typical homeowner in Howard pays $3,948 a year, according to the U.S. Census Bureau. That is 1.25% of the home’s value; in Brown County, the rate is 1.38%.
Where can I find free help to buy or rent in Howard?
There are 2 HUD-approved counseling agencies with an office in Brown County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
