Español

Este sitio también está en español. Leer en español

City · 12,645 residents · Ozaukee County, Wisconsin

Port Washington , Wisconsin

In Port Washington, a typical home is worth $296,300 and typical rent is $1,008 a month. Compared with all of Ozaukee County, the typical home value is 24% lower, typical household income is 16% lower, and the share of households that own their home is 7 points lower.

WhatsApp

  • Typical home value

    $296,300

    24% below the county

    11% above Wisconsin

    • Port Washington
    • Ozaukee
    • Wisconsin

  • Typical rent

    $1,008a month

    13% below the county

    7% below Wisconsin

    • Port Washington
    • Ozaukee
    • Wisconsin

  • Typical household income

    $81,948a year

    16% below the county

    6% above Wisconsin

    • Port Washington
    • Ozaukee
    • Wisconsin

  • Households that own their home

    66%

    7 points below the county

    2 points below Wisconsin

    • Port Washington
    • Ozaukee
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$394,015
5.7% more than 12 months ago

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

Port Washington is in Ozaukee 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 Ozaukee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Port Washington apart

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

  1. The typical home in Port Washington is worth $296,300, 24% less than in Ozaukee County as a whole ($390,200).

  2. The typical household income in Port Washington is $81,948, 16% less than in Ozaukee County as a whole ($96,996).

  3. 66% of households in Port Washington own their home, against 73% in Ozaukee County.

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

The homes here

Housing in Port Washington

What homes there are in Port Washington, 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 Port Washington, 5 in 10 homes are single-family detached houses; in Ozaukee County, 7.

Year built

The typical year built in Port Washington is 1975, about the same as in Ozaukee County (1978).

There are fewer big homes in Port Washington than in Ozaukee County: 58% have 3 bedrooms or more, against 67%.

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

$1,691 a month

Ozaukee County: $2,090 a month

Without a mortgage

$694 a month

Ozaukee County: $780 a month

Owners with a mortgage

70%

Ozaukee County: 64%

In Port Washington, 70% of owners have a mortgage, and their typical cost is $1,691 a month, against $2,090 in Ozaukee County. Without one it drops to $694.

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 Port Washington rose 50%; in Ozaukee County, it rose 38%.

Since 2015–2019, the typical rent in Port Washington rose 13%, less than in Ozaukee County (25%).

The typical household income in Port Washington rose 20% over that time; home values changed +50% and rent +13%.

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

MeasurePort WashingtonOzaukee 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 estimate0.7%1.7%3.4%
People per household 2.212.382.332.53
Drive alone 77%74%74%69%
Carpool 6%6%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 13%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.21 on average, against 2.38 in Ozaukee County.

To get to work, 77% of workers in Port Washington drive alone; in Ozaukee 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 Port Washington?

A typical home costs more than the typical income allows

We start with a typical home in Port Washington, worth $296,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Port Washington, which is $81,948 a year. For that payment to be 28% of income, a household would need to earn about $108,602 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Port Washington. 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 $10,371 (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

$2,534

at 7.18% · 30 years

Loan amount
$290,933
Total interest
$418,584
Paid off in
November 2056

Includes $5,004 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,912 a month

  • Tight

    $1,912 to $2,458 a month

  • Hard

    more than $2,458 a month

    Your payment · 37%

Compared with the typical household income in Port Washington ($81,948 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,534
Principal & interest$1,971
Property tax$309
Home insurance$124
FHA mortgage insurance (MIP)$131

You need at least $10,371 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

Port Washington and Ozaukee County

Port Washington is in Ozaukee 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).

Port Washington's own numbers

Typical home value
$296,300
Typical monthly rent
$1,008
Typical yearly household income
$81,948
Households that own their home
66%
Effective property tax rate
1.25%

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

Numbers for all of Ozaukee County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,263
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
2.1%

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 Ozaukee County.

Everything about Ozaukee County

Buying

Buying a home in Port Washington

A typical home in Port Washington is worth $296,300: 24% below the county and 11% above Wisconsin. With the typical household income in Port Washington ($81,948 a year), a typical home costs 3.6 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.

  • Port Washington 3.6 years
  • Ozaukee 4.0 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ozaukee County

According to FHFA’s house price index, home prices in Ozaukee County rose 81% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +5.2% +5.4% +2.9%
5 years (2020–2025) +49% +57% +47%
10 years (2015–2025) +81% +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

Port Washington next to Ozaukee 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
  • Port Washington $296,300
  • Ozaukee $390,200
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Port Washington $1,008
  • Ozaukee $1,154
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Port Washington $81,948
  • Ozaukee $96,996
  • Wisconsin $77,485
  • United States $80,734
See the full table
Port Washington next to Ozaukee County and Wisconsin
Measure Port Washington Ozaukee County Wisconsin U.S.
Typical home value $296,300 $390,200 $266,500 $332,700
Typical monthly rent $1,008 $1,154 $1,087 $1,413
Typical yearly household income $81,948 $96,996 $77,485 $80,734
Households that own their home 66% 73% 68% 65%
Typical yearly property tax $3,711 $4,631 $3,792 $3,119
Effective property tax rate 1.25% 1.19% 1.42% 0.94%
Renters with high rent for their income 47% 43% 44% 51%

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

For a typical $296,300 home in Port Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Washington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,534a month

    Least cash to close
    Down payment
    $10,371
    Cash to close
    $19,260
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,480a month

    Down payment
    $14,815
    Cash to close
    $23,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,038a month

    Down payment
    $59,260
    Cash to close
    $68,149
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,312a month

    Down payment
    $44,445
    Cash to close
    $53,334
    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 Port Washington and for Ozaukee County.

Property tax

Effective rate in Port Washington

1.25%of the home’s value each year

$3,711 a year for the typical owner in Port Washington.

  • Port Washington 1.25%
  • Ozaukee 1.19%
  • 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 Ozaukee County

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

Homes in the high-risk zone
2.1%
520
Of those, with NFIP insurance
45%
County Wisconsin U.S.
Homes in the high-risk zone 2.1% 1.4% 3.5%
Of those, with NFIP insurance 45% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Port Washington

Typical rent in Port Washington is $1,008 a month: 13% below the county. In Port Washington, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ozaukee County, by unit size. To pay the 2-bedroom one ($1,263 a month) without spending more than 30% of your income, you would need to earn $24.29 an hour working full time.

HUD fair market rent for all of Ozaukee 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 $985 $18.94 $39,400
1 bedroom $1,060 $20.38 $42,400
2 bedrooms $1,263 $24.29 $50,520
3 bedrooms $1,553 $29.87 $62,120
4 bedrooms $1,664 $32.00 $66,560

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 Port Washington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Washington has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,210 in 53074 to $1,280 in 53024.

1 of the 2 is above the fair market rent for Ozaukee County ($1,263).

  • 53024 $1,280$1,570
  • 53074 $1,210$1,490

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

HUD lists 5 buildings with rents for lower incomes in Port Washington. These are the largest.

  • Maple Crest 962 W Sunset Rd, Port Washington 53074 112 low-income homes · 1 bd: 58 · 2 bd: 44 · In service since 1994
  • Breeze Cove Apts 1581 W Portview Dr, Port Washington 53074 64 low-income homes · 1 bd: 1 · 3 bd: 63 · In service since 1994
  • Westport Meadows 1200 Oak Ct, Port Washington 53074 49 homes, 48 low-income · For older adults (414) 352-2300
  • Lincoln Village Senior Apts 1300 W Lincoln Ave, Port Washington 53074 49 homes, 43 low-income · 1 bd: 22 · 2 bd: 27 · In service since 2003 · For older adults
  • Norport Group Home 411 E Norport Dr, Port Washington 53074 5 homes, 4 low-income · For people with disabilities (262) 284-9656

See all 13 buildings in Ozaukee County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Port Washington

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Port Washington

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

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

  • CCCS of Sheboygan

    139 N. Main St. Suite 101, West Bend · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (262) 306-9241

  • Operation Hope- Milwaukee Wi

    7500 W Good Hope Rd, Milwaukee · 19 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 6 more
    (414) 426-2239

  • Housing Resources, Incorporated

    7830 W Burleigh St, Milwaukee · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (414) 461-6330

All counseling agencies in Wisconsin

Help in Spanish near Port Washington

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 Port Washington

HUD lists no housing authority with an office in Ozaukee County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Ozaukee County

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

Everything about Ozaukee County Housing in Wisconsin

Nearby cities

The cities closest to Port Washington, with the typical home value.

Neighboring counties

If Ozaukee 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 Port Washington.

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

Questions

Housing questions about Port Washington

Short answers with the numbers for Port Washington and all of Ozaukee 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 Port Washington?

The typical home value in Port Washington is $296,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ozaukee County it is $390,200.

How much does it cost to rent in Port Washington?

Typical rent in Port Washington is $1,008 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ozaukee County is $1,263.

What is the FHA loan limit in Port Washington?

Port Washington uses the FHA limit for all of Ozaukee 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 Port Washington?

The typical homeowner in Port Washington pays $3,711 a year, according to the U.S. Census Bureau. That is 1.25% of the home’s value; in Ozaukee County, the rate is 1.19%.

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

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