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City · 66,729 residents · Winnebago County, Wisconsin

Oshkosh , Wisconsin

In Oshkosh, a typical home is worth $177,700 and typical rent is $935 a month. Compared with all of Winnebago County, the typical home value is 21% lower, typical household income is 17% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $177,700

    21% below the county

    33% below Wisconsin

    • Oshkosh
    • Winnebago
    • Wisconsin

  • Typical rent

    $935a month

    3% below the county

    14% below Wisconsin

    • Oshkosh
    • Winnebago
    • Wisconsin

  • Typical household income

    $62,188a year

    17% below the county

    20% below Wisconsin

    • Oshkosh
    • Winnebago
    • Wisconsin

  • Households that own their home

    55%

    11 points below the county

    13 points below Wisconsin

    • Oshkosh
    • Winnebago
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$260,125
5.5% more than 12 months ago
Typical rent
$1,243 a month
4.4% more than 12 months ago

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

Oshkosh is in Winnebago 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 Winnebago County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oshkosh apart

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

  1. The typical home in Oshkosh is worth $177,700, 21% less than in Winnebago County as a whole ($225,800).

  2. The typical household income in Oshkosh is $62,188, 17% less than in Winnebago County as a whole ($74,925).

  3. 55% of households in Oshkosh own their home, against 66% in Winnebago County.

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

The homes here

Housing in Oshkosh

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

Year built

The typical home in Oshkosh was built in 1971, 4 years before the typical one in Winnebago County.

Homes in Oshkosh are smaller: 51% have 3 bedrooms or more; in Winnebago County, 59%.

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

By price, most homes in Oshkosh sit under the FHA limit for Winnebago County ($541,287): about 98%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Winnebago County is $1,195; about 71% of rents in Oshkosh are below it.

With a mortgage

$1,362 a month

Winnebago County: $1,494 a month

Without a mortgage

$635 a month

Winnebago County: $656 a month

Owners with a mortgage

62%

Winnebago County: 60%

Owning costs less in Oshkosh: with a mortgage, the typical cost is $1,362 a month; in Winnebago County, $1,494. Without one, $635.

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 Oshkosh gained value more slowly than in Winnebago County: 42% since 2015–2019, against 48%.

The typical rent in Oshkosh rose 24% since 2015–2019, about the same as in Winnebago County (26%).

To compare: typical income in Oshkosh rose 22%; the home, +42%; the rent, +24%.

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

MeasureOshkoshWinnebago CountyWisconsinUnited States
Rental vacancy 6.4%4.4%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room 1.7%1.4%1.7%3.4%
People per household 2.202.272.332.53
Drive alone 76%77%74%69%
Carpool 8%7%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 4%3%3%3%
Work from home 10%12%13%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Oshkosh, the rental vacancy rate is 6.4%; in Winnebago County, 4.4%.

More than one person per room: that is how 1.7% of households in Oshkosh live, near the figure in Winnebago County (1.4%).

A household in Oshkosh has 2.20 people on average, about the same as in Winnebago County (2.27).

The car rules in Oshkosh: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Oshkosh?

A typical home is tight for the typical income

We start with a typical home in Oshkosh, worth $177,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Oshkosh, which is $62,188 a year. For that payment to be 28% of income, a household would need to earn about $69,320 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oshkosh. 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 $6,220 (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

$1,618

at 7.18% · 30 years

Loan amount
$174,481
Total interest
$251,037
Paid off in
November 2056

Includes $3,001 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,451 a month

  • Tight

    $1,451 to $1,866 a month

    Your payment · 31%

  • Hard

    more than $1,866 a month

Compared with the typical household income in Oshkosh ($62,188 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,618
Principal & interest$1,182
Property tax$283
Home insurance$74
FHA mortgage insurance (MIP)$79

You need at least $6,220 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

Oshkosh and Winnebago County

Oshkosh is in Winnebago 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).

Oshkosh's own numbers

Typical home value
$177,700
Typical monthly rent
$935
Typical yearly household income
$62,188
Households that own their home
55%
Effective property tax rate
1.91%

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

Numbers for all of Winnebago County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,195
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
2.8%

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 Winnebago County.

Everything about Winnebago County

Buying

Buying a home in Oshkosh

A typical home in Oshkosh is worth $177,700: 21% below the county and 33% below Wisconsin. With the typical household income in Oshkosh ($62,188 a year), a typical home costs 2.9 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.

  • Oshkosh 2.9 years
  • Winnebago 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 Winnebago County

According to FHFA’s house price index, home prices in Winnebago County rose 105% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +6.3% +5.4% +2.9%
5 years (2020–2025) +64% +57% +47%
10 years (2015–2025) +105% +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

Oshkosh next to Winnebago 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
  • Oshkosh $177,700
  • Winnebago $225,800
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Oshkosh $935
  • Winnebago $965
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Oshkosh $62,188
  • Winnebago $74,925
  • Wisconsin $77,485
  • United States $80,734
See the full table
Oshkosh next to Winnebago County and Wisconsin
Measure Oshkosh Winnebago County Wisconsin U.S.
Typical home value $177,700 $225,800 $266,500 $332,700
Typical monthly rent $935 $965 $1,087 $1,413
Typical yearly household income $62,188 $74,925 $77,485 $80,734
Households that own their home 55% 66% 68% 65%
Typical yearly property tax $3,401 $3,679 $3,792 $3,119
Effective property tax rate 1.91% 1.63% 1.42% 0.94%
Renters with high rent for their income 44% 41% 44% 51%

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

For a typical $177,700 home in Oshkosh, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oshkosh's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,617a month

    Least cash to close
    Down payment
    $6,220
    Cash to close
    $11,551
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,585a month

    Down payment
    $8,885
    Cash to close
    $14,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $84

  • Conventional, 20% down, no PMI $1,320a month

    Down payment
    $35,540
    Cash to close
    $40,871
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,484a month

    Down payment
    $26,655
    Cash to close
    $31,986
    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 Oshkosh and for Winnebago County.

Property tax

Effective rate in Oshkosh

1.91%of the home’s value each year

$3,401 a year for the typical owner in Oshkosh.

  • Oshkosh 1.91%
  • Winnebago 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 Winnebago County

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

Homes in the high-risk zone
2.8%
1,411
Of those, with NFIP insurance
20%
County Wisconsin U.S.
Homes in the high-risk zone 2.8% 1.4% 3.5%
Of those, with NFIP insurance 20% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oshkosh

Typical rent in Oshkosh is $935 a month: 3% below the county. In Oshkosh, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Winnebago County, by unit size. To pay the 2-bedroom one ($1,195 a month) without spending more than 30% of your income, you would need to earn $22.98 an hour working full time.

HUD fair market rent for all of Winnebago 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 $909 $17.48 $36,360
1 bedroom $936 $18.00 $37,440
2 bedrooms $1,195 $22.98 $47,800
3 bedrooms $1,609 $30.94 $64,360
4 bedrooms $1,646 $31.65 $65,840

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 Oshkosh

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oshkosh has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,090 in 54902 to $1,190 in 54985.

None is above the fair market rent for Winnebago County ($1,195).

  • 54901 $1,190$1,600
  • 54902 $1,090$1,470
  • 54904 $1,170$1,580
  • 54985 $1,190$1,600

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

HUD lists 30 buildings with rents for lower incomes in Oshkosh. These are the largest.

  • Marian Manor 600 Merritt Ave, Oshkosh 54901 121 low-income homes · 1 bd: 120 · 2 bd: 1 · In service since 2007 · For older adults (920) 424-1450
  • Summerfield Place Apts 3329 Logan Dr, Oshkosh 54901 120 low-income homes · 1 bd: 20 · 2 bd: 64 · 3 bd: 36 · In service since 1994
  • Winnebago County Housing 1504 Maricopa Dr, Oshkosh 54904 105 low-income homes · For families (920) 729-6336
  • Raulf Place 530 N Main St, Oshkosh 54901 104 low-income homes · Run by Housing Authority of the City of Oshkosh, WI · Average payment: $391 a month · Average wait: 9 months (920) 424-1450
  • Simeanna III 151 N Eagle St, Oshkosh 54902 78 homes, 77 low-income · For older adults (920) 235-2137

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

Free help

Help to buy or rent in Oshkosh

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 Winnebago County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Oshkosh

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

The HUD-approved agencies closest to the center of Oshkosh, 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 · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (920) 907-4344

  • Catholic Charities Diocese of Green Bay

    1825 Riverside Dr, Green Bay · 42 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (920) 272-8234

  • Neighborworks Green Bay

    437 S Jackson St, Green Bay · 43 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (920) 448-3075

All counseling agencies in Wisconsin

Help in Spanish near Oshkosh

2 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 Oshkosh

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

  • Housing Authority of the City of Oshkosh, WI Public housing (920) 424-1450
  • Housing Authority of Winnebago County, WI Public housing and Section 8 vouchers (920) 424-1450

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Winnebago County

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

Everything about Winnebago County Housing in Wisconsin

Nearby cities

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

Neighboring counties

If Winnebago 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 Oshkosh.

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

Questions

Housing questions about Oshkosh

Short answers with the numbers for Oshkosh and all of Winnebago 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 Oshkosh?

The typical home value in Oshkosh is $177,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Winnebago County it is $225,800.

How much does it cost to rent in Oshkosh?

Typical rent in Oshkosh is $935 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Winnebago County is $1,195.

What is the FHA loan limit in Oshkosh?

Oshkosh uses the FHA limit for all of Winnebago 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 Oshkosh?

The typical homeowner in Oshkosh pays $3,401 a year, according to the U.S. Census Bureau. That is 1.91% of the home’s value; in Winnebago County, the rate is 1.63%.

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

We found no HUD-approved counseling agencies with an office in Winnebago 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).