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City · 13,884 residents · Portage County, Wisconsin

Plover , Wisconsin

In Plover, a typical home is worth $269,800 and typical rent is $1,089 a month. Compared with all of Portage County, typical rent is 16% higher, typical household income is 16% higher, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $269,800

    11% above the county

    About the same as Wisconsin

    • Plover
    • Portage
    • Wisconsin

  • Typical rent

    $1,089a month

    16% above the county

    About the same as Wisconsin

    • Plover
    • Portage
    • Wisconsin

  • Typical household income

    $88,042a year

    16% above the county

    14% above Wisconsin

    • Plover
    • Portage
    • Wisconsin

  • Households that own their home

    59%

    11 points below the county

    9 points below Wisconsin

    • Plover
    • Portage
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$348,129
6.5% more than 12 months ago
Typical rent
$1,435 a month

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

Plover is in Portage 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 Portage County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Plover apart

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

  1. Nearby, in Wisconsin Rapids, the typical home value is $131,900: 51% less than in Plover ($269,800).

  2. Nearby, in Waupaca, the typical rent is $783: 28% less than in Plover ($1,089).

  3. 59% of households in Plover own their home, against 70% in Portage County.

  4. The typical rent in Plover is $1,089 a month, 16% more than in Portage County as a whole ($940).

  5. The typical household income in Plover is $88,042, 16% more than in Portage County as a whole ($76,070).

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

The homes here

Housing in Plover

What homes there are in Plover, 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 Plover (56%), but less so than in Portage County (69%).

Year built

Homes in Plover are newer: the typical year built is 1993; in Portage County, 1979.

Much as in Portage County, 64% of homes in Plover have 3 bedrooms or more.

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 Portage County is $541,287, and about 93% of owner-occupied homes in Plover are worth less than that.

Monthly rent with utilities

With a mortgage

$1,658 a month

Portage County: $1,561 a month

Without a mortgage

$623 a month

Portage County: $608 a month

Owners with a mortgage

60%

Portage County: 55%

Owning costs more in Plover: with a mortgage, the typical cost is $1,658 a month; in Portage County, $1,561. Without one, $623.

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

The typical home value in Plover rose 54% since 2015–2019, more than in Portage County (45%).

Since 2015–2019, the typical rent in Plover rose 26%, more than in Portage County (21%).

To compare: typical income in Plover rose 46%; the home, +54%; the rent, +26%.

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

MeasurePloverPortage 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 estimate1.3%1.7%3.4%
People per household 2.432.292.332.53
Drive alone 78%74%74%69%
Carpool 9%8%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate5%3%3%
Work from home 11%13%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.43 on average, against 2.29 in Portage County.

In Plover, 78% of workers drive alone to work; in Portage County, 74%.

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 Plover?

A typical home is tight for the typical income

We start with a typical home in Plover, worth $269,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Plover, which is $88,042 a year. For that payment to be 28% of income, a household would need to earn about $101,683 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Plover. 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 $9,443 (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

$2,373

at 7.18% · 30 years

Loan amount
$264,913
Total interest
$381,148
Paid off in
November 2056

Includes $4,556 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,054 a month

  • Tight

    $2,054 to $2,641 a month

    Your payment · 32%

  • Hard

    more than $2,641 a month

Compared with the typical household income in Plover ($88,042 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,373
Principal & interest$1,795
Property tax$346
Home insurance$112
FHA mortgage insurance (MIP)$119

You need at least $9,443 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

Plover and Portage County

Plover is in Portage 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).

Plover's own numbers

Typical home value
$269,800
Typical monthly rent
$1,089
Typical yearly household income
$88,042
Households that own their home
59%
Effective property tax rate
1.54%

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

Numbers for all of Portage County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,077
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.1%

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 Portage County.

Everything about Portage County

Buying

Buying a home in Plover

A typical home in Plover is worth $269,800: 11% above the county and about the same as Wisconsin. With the typical household income in Plover ($88,042 a year), a typical home costs 3.1 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.

  • Plover 3.1 years
  • Portage 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 Portage County

According to FHFA’s house price index, home prices in Portage County rose 92% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +4.5% +5.4% +2.9%
5 years (2020–2025) +57% +57% +47%
10 years (2015–2025) +92% +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

Plover next to Portage 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
  • Plover $269,800
  • Portage $243,100
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Plover $1,089
  • Portage $940
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Plover $88,042
  • Portage $76,070
  • Wisconsin $77,485
  • United States $80,734
See the full table
Plover next to Portage County and Wisconsin
Measure Plover Portage County Wisconsin U.S.
Typical home value $269,800 $243,100 $266,500 $332,700
Typical monthly rent $1,089 $940 $1,087 $1,413
Typical yearly household income $88,042 $76,070 $77,485 $80,734
Households that own their home 59% 70% 68% 65%
Typical yearly property tax $4,157 $3,492 $3,792 $3,119
Effective property tax rate 1.54% 1.44% 1.42% 0.94%
Renters with high rent for their income 33% 39% 44% 51%

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

For a typical $269,800 home in Plover, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plover's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,373a month

    Least cash to close
    Down payment
    $9,443
    Cash to close
    $17,537
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $119

  • Conventional, 5% down $2,323a month

    Down payment
    $13,490
    Cash to close
    $21,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $128

  • Conventional, 20% down, no PMI $1,921a month

    Down payment
    $53,960
    Cash to close
    $62,054
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,170a month

    Down payment
    $40,470
    Cash to close
    $48,564
    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 Plover and for Portage County.

Property tax

Effective rate in Plover

1.54%of the home’s value each year

$4,157 a year for the typical owner in Plover.

  • Plover 1.54%
  • Portage 1.44%
  • 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 Portage County

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

Homes in the high-risk zone
1.1%
239
Of those, with NFIP insurance
9.2%
County Wisconsin U.S.
Homes in the high-risk zone 1.1% 1.4% 3.5%
Of those, with NFIP insurance 9.2% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Plover

Typical rent in Plover is $1,089 a month: 16% above the county. In Plover, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Portage County, by unit size. To pay the 2-bedroom one ($1,077 a month) without spending more than 30% of your income, you would need to earn $20.71 an hour working full time.

HUD fair market rent for all of Portage 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 $750 $14.42 $30,000
1 bedroom $828 $15.92 $33,120
2 bedrooms $1,077 $20.71 $43,080
3 bedrooms $1,283 $24.67 $51,320
4 bedrooms $1,415 $27.21 $56,600

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 Plover

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plover is in ZIP code 54467.

For 2 bedrooms it is $1,210: $133 more than the fair market rent for Portage County ($1,077).

  • 54467 $1,210$1,440

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

HUD lists 6 buildings with rents for lower incomes in Plover. These are the largest.

  • Mission Village of Plover II 3385 Mission Ln, Plover 54467 48 homes, 42 low-income · 2 bd: 15 · 3 bd: 5 · 4 bd: 4 · In service since 2005
  • Pinecrest Apts 2870 Hickory Dr, Plover 54467 42 low-income homes · 2 bd: 18 · 3 bd: 20 · In service since 1993
  • Craftsman Village of Plover 3288 Village Ln, Plover 54467 39 low-income homes · 1 bd: 4 · 2 bd: 35 · In service since 2003 · For older adults
  • Sunset Terrace 3031 Rosalie Pkwy, Plover 54467 22 low-income homes · For families (715) 341-9464
  • Hickory Drive Apts 2840 Hickory Dr, Plover 54467 18 low-income homes · 1 bd: 8 · 2 bd: 10 · In service since 1993

See all 16 buildings in Portage County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Plover

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 Portage 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 Plover

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

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

  • First Nations Community Financial

    206 S Roosevelt Rd Ste 123, Black River Falls · 65 miles away

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

  • CCCS of Sheboygan

    17 Forest Avenue, Suite 016, Fond Du Lac · 72 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 · 75 miles away · Spanish

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

All counseling agencies in Wisconsin

Help in Spanish near Plover

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 Plover

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

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

Cities

Other cities in Portage County

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

Everything about Portage County Housing in Wisconsin

Nearby cities

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

Neighboring counties

If Portage 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 Plover.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Plover

Short answers with the numbers for Plover and all of Portage 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 Plover?

The typical home value in Plover is $269,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Portage County it is $243,100.

How much does it cost to rent in Plover?

Typical rent in Plover is $1,089 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Portage County is $1,077.

What is the FHA loan limit in Plover?

Plover uses the FHA limit for all of Portage 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 Plover?

The typical homeowner in Plover pays $4,157 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Portage County, the rate is 1.44%.

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

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