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City · 7,285 residents · Chippewa County, Wisconsin

Lake Hallie , Wisconsin

In Lake Hallie, a typical home is worth $292,100 and typical rent is $1,223 a month. Compared with all of Chippewa County, typical rent is 27% higher and typical household income is 16% higher.

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  • Typical home value

    $292,100

    13% above the county

    10% above Wisconsin

    • Lake Hallie
    • Chippewa
    • Wisconsin

  • Typical rent

    $1,223a month

    27% above the county

    13% above Wisconsin

    • Lake Hallie
    • Chippewa
    • Wisconsin

  • Typical household income

    $86,740a year

    16% above the county

    12% above Wisconsin

    • Lake Hallie
    • Chippewa
    • Wisconsin

  • Households that own their home

    71%

    4 points below the county

    3 points above Wisconsin

    • Lake Hallie
    • Chippewa
    • Wisconsin

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

Lake Hallie is in Chippewa 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 Chippewa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake Hallie apart

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

  1. Nearby, in Rice Lake, the typical home value is $193,800: 34% less than in Lake Hallie ($292,100).

  2. Nearby, in Rice Lake, the typical rent is $856: 30% less than in Lake Hallie ($1,223).

  3. Lake Hallie has the 8th largest share of rent-burdened renters of the 141 cities in Wisconsin with more than 5,000 people (53%).

  4. The typical rent in Lake Hallie is $1,223 a month, 27% more than in Chippewa County as a whole ($963).

  5. The typical household income in Lake Hallie is $86,740, 16% more than in Chippewa County as a whole ($74,680).

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

The homes here

Housing in Lake Hallie

What homes there are in Lake Hallie, 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 houses are the majority in Lake Hallie (69%), but less so than in Chippewa County (75%).

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

$1,624 a month

Chippewa County: $1,538 a month

Without a mortgage

$605 a month

Chippewa County: $588 a month

Owners with a mortgage

63%

Chippewa County: 56%

In Lake Hallie, 63% of owners have a mortgage, and their typical cost is $1,624 a month, against $1,538 in Chippewa County. Without one it drops to $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

From 2015–2019 to 2020–2024, the typical home value in Lake Hallie rose 60%; in Chippewa County, it rose 54%.

Since 2015–2019, the typical rent in Lake Hallie rose 25%, more than in Chippewa County (17%).

To compare: typical income in Lake Hallie rose 27%; the home, +60%; the rent, +25%.

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

MeasureLake HallieChippewa 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 estimate1.0%1.7%3.4%
People per household 2.302.362.332.53
Drive alone 77%76%74%69%
Carpool 9%9%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%12%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

By size, households in Lake Hallie look like those in Chippewa County: 2.30 people on average.

To get to work, 77% of workers in Lake Hallie drive alone; in Chippewa County, 76%.

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 Lake Hallie?

A typical home is tight for the typical income

We start with a typical home in Lake Hallie, worth $292,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Lake Hallie, which is $86,740 a year. For that payment to be 28% of income, a household would need to earn about $105,706 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lake Hallie. 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 $10,224 (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

$2,467

at 7.18% · 30 years

Loan amount
$286,809
Total interest
$412,651
Paid off in
November 2056

Includes $4,933 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,024 a month

  • Tight

    $2,024 to $2,602 a month

    Your payment · 34%

  • Hard

    more than $2,602 a month

Compared with the typical household income in Lake Hallie ($86,740 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,467
Principal & interest$1,943
Property tax$273
Home insurance$122
FHA mortgage insurance (MIP)$129

You need at least $10,224 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

Lake Hallie and Chippewa County

Lake Hallie is in Chippewa 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).

Lake Hallie's own numbers

Typical home value
$292,100
Typical monthly rent
$1,223
Typical yearly household income
$86,740
Households that own their home
71%
Effective property tax rate
1.12%

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

Numbers for all of Chippewa County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,259
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
3.6%

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 Chippewa County.

Everything about Chippewa County

Buying

Buying a home in Lake Hallie

A typical home in Lake Hallie is worth $292,100: 13% above the county and 10% above Wisconsin. With the typical household income in Lake Hallie ($86,740 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.

  • Lake Hallie 3.4 years
  • Chippewa 3.5 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chippewa County

According to FHFA’s house price index, home prices in Chippewa County rose 109% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +8.1% +5.4% +2.9%
5 years (2020–2025) +61% +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

Lake Hallie next to Chippewa 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
  • Lake Hallie $292,100
  • Chippewa $257,900
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Lake Hallie $1,223
  • Chippewa $963
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Lake Hallie $86,740
  • Chippewa $74,680
  • Wisconsin $77,485
  • United States $80,734
See the full table
Lake Hallie next to Chippewa County and Wisconsin
Measure Lake Hallie Chippewa County Wisconsin U.S.
Typical home value $292,100 $257,900 $266,500 $332,700
Typical monthly rent $1,223 $963 $1,087 $1,413
Typical yearly household income $86,740 $74,680 $77,485 $80,734
Households that own their home 71% 74% 68% 65%
Typical yearly property tax $3,273 $2,798 $3,792 $3,119
Effective property tax rate 1.12% 1.08% 1.42% 0.94%
Renters with high rent for their income 53% 42% 44% 51%

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

For a typical $292,100 home in Lake Hallie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Hallie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,466a month

    Least cash to close
    Down payment
    $10,224
    Cash to close
    $18,987
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $129

  • Conventional, 5% down $2,413a month

    Down payment
    $14,605
    Cash to close
    $23,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $139

  • Conventional, 20% down, no PMI $1,977a month

    Down payment
    $58,420
    Cash to close
    $67,183
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,247a month

    Down payment
    $43,815
    Cash to close
    $52,578
    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 Lake Hallie and for Chippewa County.

Property tax

Effective rate in Lake Hallie

1.12%of the home’s value each year

$3,273 a year for the typical owner in Lake Hallie.

  • Lake Hallie 1.12%
  • Chippewa 1.08%
  • 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 Chippewa County

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

Homes in the high-risk zone
3.6%
816
Of those, with NFIP insurance
8%
County Wisconsin U.S.
Homes in the high-risk zone 3.6% 1.4% 3.5%
Of those, with NFIP insurance 8% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake Hallie

Typical rent in Lake Hallie is $1,223 a month: 27% above the county. In Lake Hallie, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chippewa County, by unit size. To pay the 2-bedroom one ($1,259 a month) without spending more than 30% of your income, you would need to earn $24.21 an hour working full time.

HUD fair market rent for all of Chippewa 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 $1,014 $19.50 $40,560
1 bedroom $1,017 $19.56 $40,680
2 bedrooms $1,259 $24.21 $50,360
3 bedrooms $1,695 $32.60 $67,800
4 bedrooms $1,701 $32.71 $68,040

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 Lake Hallie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Hallie is in ZIP code 54729.

For 2 bedrooms it is $1,260: $1 more than the fair market rent for Chippewa County ($1,259).

  • 54729 $1,260$1,700

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

Free help

Help to buy or rent in Lake Hallie

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.

We found no HUD-approved agencies with an office in Chippewa County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Lake Hallie

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

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

  • Western Dairyland Economic Opportunity Council Inc

    1 Better Way, Eau Claire · 8 miles away · Spanish

    Also serves in American Sign Language (ASL) and Hmong.

    • Mortgage delinquency and default
    • Homelessness services
    • and 2 more
    (715) 836-7511

  • First Nations Community Financial

    206 S Roosevelt Rd Ste 123, Black River Falls · 50 miles away

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (715) 284-2470

  • CCCS of Sheboygan

    505 King Street, Suite 212, La Crosse · 75 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (844) 307-7220

All counseling agencies in Wisconsin

Help in Spanish near Lake Hallie

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 Lake Hallie

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

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

Cities

Other cities in Chippewa County

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

Everything about Chippewa County Housing in Wisconsin

Nearby cities

The cities closest to Lake Hallie, with the typical home value.

Neighboring counties

If Chippewa 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 Lake Hallie.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Lake Hallie

Short answers with the numbers for Lake Hallie and all of Chippewa 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 Lake Hallie?

The typical home value in Lake Hallie is $292,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chippewa County it is $257,900.

How much does it cost to rent in Lake Hallie?

Typical rent in Lake Hallie is $1,223 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chippewa County is $1,259.

What is the FHA loan limit in Lake Hallie?

Lake Hallie uses the FHA limit for all of Chippewa 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 Lake Hallie?

The typical homeowner in Lake Hallie pays $3,273 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Chippewa County, the rate is 1.08%.

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

We found no HUD-approved counseling agencies with an office in Chippewa County; the nearest ones are on this page. 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).