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City · 27,953 residents · Racine County, Wisconsin

Mount Pleasant , Wisconsin

In Mount Pleasant, a typical home is worth $292,400 and typical rent is $1,127 a month. Compared with all of Racine County, typical household income is 17% higher, the typical home value is 16% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $292,400

    16% above the county

    10% above Wisconsin

    • Mount Pleasant
    • Racine
    • Wisconsin

  • Typical rent

    $1,127a month

    4% above the county

    4% above Wisconsin

    • Mount Pleasant
    • Racine
    • Wisconsin

  • Typical household income

    $91,616a year

    17% above the county

    18% above Wisconsin

    • Mount Pleasant
    • Racine
    • Wisconsin

  • Households that own their home

    77%

    6 points above the county

    9 points above Wisconsin

    • Mount Pleasant
    • Racine
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$344,631
5.5% more than 12 months ago
Typical rent
$1,718 a month
6% more than 12 months ago

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

Mount Pleasant is in Racine 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 Racine County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mount Pleasant apart

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

  1. Nearby, in Racine, the typical home value is $166,500: 43% less than in Mount Pleasant ($292,400).

  2. The typical household income in Mount Pleasant is $91,616, 17% more than in Racine County as a whole ($78,096).

  3. The typical home in Mount Pleasant is worth $292,400, 16% more than in Racine County as a whole ($251,400).

  4. 77% of households in Mount Pleasant own their home, against 71% in Racine County.

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

The homes here

Housing in Mount Pleasant

What homes there are in Mount Pleasant, 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 Mount Pleasant, 6 in 10 homes are single-family detached houses; in Racine County, 7.

Year built

Here half of the homes date from 1983 or later; in Racine County, from 1968 or later.

In Mount Pleasant, 64% of homes have 3 bedrooms or more, about the same as in Racine County.

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 loan limit for Racine County is $541,287, and about 90% of owner-occupied homes in Mount Pleasant are worth less than that.

Monthly rent with utilities

With a mortgage

$1,859 a month

Racine County: $1,691 a month

Without a mortgage

$733 a month

Racine County: $690 a month

Owners with a mortgage

67%

Racine County: 66%

The typical cost for an owner with a mortgage in Mount Pleasant is $1,859 a month, more than in Racine County ($1,691); without one, $733.

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 Mount Pleasant gained value faster than in Racine County: 53% against 43%.

Since 2015–2019, the typical rent in Mount Pleasant rose 31%, more than in Racine County (26%).

The typical household income in Mount Pleasant rose 32% over that time; home values changed +53% and rent +31%.

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

MeasureMount PleasantRacine CountyWisconsinUnited States
Rental vacancy Unreliable estimate5.7%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 2.332.392.332.53
Drive alone 77%77%74%69%
Carpool 8%9%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 13%10%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes10 to 19 minutes20 to 29 minutes

By size, households in Mount Pleasant look like those in Racine County: 2.33 people on average.

To get to work, 77% of workers in Mount Pleasant drive alone; in Racine County, 77%.

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 Mount Pleasant?

A typical home is tight for the typical income

We start with a typical home in Mount Pleasant, worth $292,400, 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 Mount Pleasant, which is $91,616 a year. For that payment to be 28% of income, a household would need to earn about $110,409 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mount Pleasant. 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 $10,234 (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

$2,576

at 7.18% · 30 years

Loan amount
$287,104
Total interest
$413,075
Paid off in
November 2056

Includes $4,938 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,138 a month

  • Tight

    $2,138 to $2,748 a month

    Your payment · 34%

  • Hard

    more than $2,748 a month

Compared with the typical household income in Mount Pleasant ($91,616 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,576
Principal & interest$1,945
Property tax$380
Home insurance$122
FHA mortgage insurance (MIP)$129

You need at least $10,234 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

Mount Pleasant and Racine County

Mount Pleasant is in Racine 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).

Mount Pleasant's own numbers

Typical home value
$292,400
Typical monthly rent
$1,127
Typical yearly household income
$91,616
Households that own their home
77%
Effective property tax rate
1.56%

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

Numbers for all of Racine County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,283
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.8%

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 Racine County.

Everything about Racine County

Buying

Buying a home in Mount Pleasant

A typical home in Mount Pleasant is worth $292,400: 16% above the county and 10% above Wisconsin. With the typical household income in Mount Pleasant ($91,616 a year), a typical home costs 3.2 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.

  • Mount Pleasant 3.2 years
  • Racine 3.2 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Racine County

According to FHFA’s house price index, home prices in Racine County rose 104% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +7.9% +5.4% +2.9%
5 years (2020–2025) +57% +57% +47%
10 years (2015–2025) +104% +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

Mount Pleasant next to Racine 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
  • Mount Pleasant $292,400
  • Racine $251,400
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Mount Pleasant $1,127
  • Racine $1,080
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Mount Pleasant $91,616
  • Racine $78,096
  • Wisconsin $77,485
  • United States $80,734
See the full table
Mount Pleasant next to Racine County and Wisconsin
Measure Mount Pleasant Racine County Wisconsin U.S.
Typical home value $292,400 $251,400 $266,500 $332,700
Typical monthly rent $1,127 $1,080 $1,087 $1,413
Typical yearly household income $91,616 $78,096 $77,485 $80,734
Households that own their home 77% 71% 68% 65%
Typical yearly property tax $4,552 $4,099 $3,792 $3,119
Effective property tax rate 1.56% 1.63% 1.42% 0.94%
Renters with high rent for their income 33% 43% 44% 51%

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

For a typical $292,400 home in Mount Pleasant, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Pleasant's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,576a month

    Least cash to close
    Down payment
    $10,234
    Cash to close
    $19,006
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $129

  • Conventional, 5% down $2,523a month

    Down payment
    $14,620
    Cash to close
    $23,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $139

  • Conventional, 20% down, no PMI $2,087a month

    Down payment
    $58,480
    Cash to close
    $67,252
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,357a month

    Down payment
    $43,860
    Cash to close
    $52,632
    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 Mount Pleasant and for Racine County.

Property tax

Effective rate in Mount Pleasant

1.56%of the home’s value each year

$4,552 a year for the typical owner in Mount Pleasant.

  • Mount Pleasant 1.56%
  • Racine 1.63%
  • 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 Racine County

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

Homes in the high-risk zone
0.8%
465
Of those, with NFIP insurance
46%
County Wisconsin U.S.
Homes in the high-risk zone 0.8% 1.4% 3.5%
Of those, with NFIP insurance 46% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mount Pleasant

Typical rent in Mount Pleasant is $1,127 a month: 4% above the county. In Mount Pleasant, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Racine County, by unit size. To pay the 2-bedroom one ($1,283 a month) without spending more than 30% of your income, you would need to earn $24.67 an hour working full time.

HUD fair market rent for all of Racine 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 $926 $17.81 $37,040
1 bedroom $1,036 $19.92 $41,440
2 bedrooms $1,283 $24.67 $51,320
3 bedrooms $1,639 $31.52 $65,560
4 bedrooms $1,984 $38.15 $79,360

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 Mount Pleasant

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Pleasant has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,260 in 53406 to $1,590 in 53177.

2 of the 3 are above the fair market rent for Racine County ($1,283).

  • 53177 $1,590$2,040
  • 53403 $1,290$1,710
  • 53406 $1,260$1,610

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Pleasant 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 Mount Pleasant

HUD lists 8 buildings with rents for lower incomes in Mount Pleasant. These are the largest.

  • Mount Pleasant Place 5820 Lincoln Village Dr, Mount Pleasant 53406 100 homes, 99 low-income · For older adults (262) 633-0500, ext. 153
  • Marian Housing Center 4105 Spring St, Mount Pleasant 53405 40 low-income homes · For older adults (262) 633-5700
  • Pleasant View Apts I 1120 Oakes Rd, Mount Pleasant 53406 32 low-income homes · 1 bd: 1 · 3 bd: 31 · In service since 1993
  • Pleasant View Apts II 7220 Kinzie Ave, Mount Pleasant 53406 32 low-income homes · 3 bd: 32 · In service since 1994
  • Lincoln Manor of Racine 5801 16th St, Mount Pleasant 53406 120 homes, 24 low-income · For older adults (262) 633-0500, ext. 153

See all 51 buildings in Racine County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mount Pleasant

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 Racine County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Mount Pleasant

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

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

  • Housing Resources, Inc-Racine

    500 Wisconsin Ave. Suite 205, Racine · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (262) 636-8271

  • City of Kenosha Housing Authority

    625-52nd ST., Room 98, Kenosha · 9 miles away · Spanish

    Also serves in other languages.

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 2 more
    (262) 653-4120

  • United Community Center

    1028 S. 9th Street, Milwaukee · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (414) 384-3100

Every agency in Racine County All counseling agencies in Wisconsin

Help in Spanish near Mount Pleasant

3 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 Mount Pleasant

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

  • Housing Authority of Racine County Section 8 vouchers (262) 636-3405

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Racine County

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

Everything about Racine County Housing in Wisconsin

Nearby cities

The cities closest to Mount Pleasant, with the typical home value.

Neighboring counties

If Racine 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 Mount Pleasant.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Mount Pleasant

Short answers with the numbers for Mount Pleasant and all of Racine 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 Mount Pleasant?

The typical home value in Mount Pleasant is $292,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Racine County it is $251,400.

How much does it cost to rent in Mount Pleasant?

Typical rent in Mount Pleasant is $1,127 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Racine County is $1,283.

What is the FHA loan limit in Mount Pleasant?

Mount Pleasant uses the FHA limit for all of Racine 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 Mount Pleasant?

The typical homeowner in Mount Pleasant pays $4,552 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Racine County, the rate is 1.63%.

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

There is 1 HUD-approved counseling agency with an office in Racine County. 1 says it serves in Spanish. 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).