In Reedsburg, a typical home is worth $229,100 and typical rent is $977 a month. Compared with all of Sauk County, the typical home value is 11% lower, typical household income is 6% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $243,726 to $315,573.
Typical rent
$1,250a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Reedsburg is in Sauk 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 Sauk County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Richland Center, the typical home value is $158,300: 31% less than in Reedsburg ($229,100).
2
Nearby, in Richland Center, the typical rent is $683: 30% less than in Reedsburg ($977).
3
61% of households in Reedsburg own their home, against 72% in Sauk County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Reedsburg
What homes there are in Reedsburg, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Reedsburg
Sauk County
Wisconsin
United States
Kind of home: Reedsburg and its comparisons
Measure
Reedsburg
Sauk County
Wisconsin
United States
Detached house
60%
69%
66%
61%
Attached house
4%
3%
4%
6%
Building of 2 to 4
14%
8%
9%
8%
Apartments (5 or more)
17%
13%
17%
19%
Mobile home
6%
7%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Reedsburg (60%), but less so than in Sauk County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Reedsburg
Sauk County
Wisconsin
United States
Year built: Reedsburg and its comparisons
Measure
Reedsburg
Sauk County
Wisconsin
United States
Before 1960
22%
28%
33%
26%
1960–1979
16%
19%
24%
24%
1980–1999
28%
28%
22%
25%
2000–2009
23%
17%
13%
14%
2010 or later
11%
8%
9%
11%
Here half of the homes date from 1991 or later; in Sauk County, from 1983 or later.
In Reedsburg, 61% of homes have 3 bedrooms or more, about the same as in Sauk County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K29%
$200K–$300K30%
$300K–$500K28%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Reedsburg and its comparisons
Measure
Reedsburg
Under $100K
9%
$100K–$200K
29%
$200K–$300K
30%
$300K–$500K
28%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Reedsburg sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99943%
$1,000–$1,49941%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Reedsburg and its comparisons
Measure
Reedsburg
Under $500
Unreliable estimate
$500–$999
43%
$1,000–$1,499
41%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,480 a month
Sauk County: $1,646 a month
Without a mortgage
$620 a month
Sauk County: $640 a month
Owners with a mortgage
58%
Sauk County: 62%
Owning costs less in Reedsburg: with a mortgage, the typical cost is $1,480 a month; in Sauk County, $1,646. Without one, $620.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Reedsburg+62%
Sauk County+42%
Wisconsin+48%
United States+53%
Typical rent
Reedsburg+30%
Sauk County+27%
Wisconsin+27%
United States+33%
Typical household income
Reedsburg+38%
Sauk County+33%
Wisconsin+26%
United States+29%
Change since 2015–2019: Reedsburg and its comparisons
Measure
Reedsburg
Sauk County
Wisconsin
United States
Typical home value
+62%
+42%
+48%
+53%
Typical rent
+30%
+27%
+27%
+33%
Typical household income
+38%
+33%
+26%
+29%
Since 2015–2019, homes in Reedsburg gained value faster than in Sauk County: 62% against 42%.
Rents in Reedsburg rose at about the same pace as in Sauk County: 30% since 2015–2019, against 27%.
To compare: typical income in Reedsburg rose 38%; the home, +62%; the rent, +30%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Reedsburg and its comparisons
Measure
Reedsburg
Sauk County
Wisconsin
United States
Rental vacancy
Unreliable estimate
5.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.5%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.7%
3.4%
People per household
2.37
2.33
2.33
2.53
Drive alone
80%
77%
74%
69%
Carpool
10%
9%
7%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
6%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
By size, households in Reedsburg look like those in Sauk County: 2.37 people on average.
The car rules in Reedsburg: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Reedsburg?
A typical home is tight for the typical income
We start with a typical home in Reedsburg, worth $229,100, 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 Reedsburg, which is $75,028 a year. For that payment to be 28% of income, a household would need to earn about $87,080 a year.
The calculator's FHA and conventional loan limits are those of all of Sauk County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Reedsburg. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,019 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,032
at 7.18% · 30 years
Loan amount
$224,950
Total interest
$323,650
Paid off in
November 2056
Includes $3,869 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,751 a month
Tight
$1,751 to $2,251 a month
Your payment · 32%
Hard
more than $2,251 a month
Compared with the typical household income in Reedsburg ($75,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,524
Property tax
$311
Home insurance
$96
FHA mortgage insurance (MIP)
$101
You need at least $8,019 for the down payment, plus closing costs.
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.
Total monthly payment $2,032; principal and interest $1,524.
The city and its county
Reedsburg and Sauk County
Reedsburg is in Sauk 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).
Reedsburg
Map of Sauk County, Wisconsin, with Reedsburg marked. Around it, the neighboring counties.
Reedsburg
Sauk County
Other cities with a page
Reedsburg's own numbers
Typical home value
$229,100
Typical monthly rent
$977
Typical yearly household income
$75,028
Households that own their home
61%
Effective property tax rate
1.63%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sauk County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,168
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.9%
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 Sauk County.
A typical home in Reedsburg is worth $229,100: 11% below the county and 14% below Wisconsin. With the typical household income in Reedsburg ($75,028 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.
Reedsburg3.1 years
Sauk3.3 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sauk County
According to FHFA’s house price index, home prices in Sauk County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sauk County.
Yearly change in FHFA’s price index in Sauk County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +4.3% +4.3% 2017
2018: +5.5% +5.5% 2018
2019: +4.1% +4.1% 2019
2020: +2.4% +2.4% 2020
2021: +10.6% +10.6% 2021
2022: +16.8% +16.8% 2022
2023: +8.6% +8.6% 2023
2024: +7.0% +7.0% 2024
2025: +5.0% +5.0% 2025
Change in FHFA’s price index in Sauk County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.0%
+5.4%
+2.9%
5 years (2020–2025)
+58%
+57%
+47%
10 years (2015–2025)
+93%
+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
Reedsburg next to Sauk 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
Reedsburg$229,100
Sauk$258,600
Wisconsin$266,500
United States$332,700
Typical monthly rent
Reedsburg$977
Sauk$1,018
Wisconsin$1,087
United States$1,413
Typical yearly household income
Reedsburg$75,028
Sauk$79,541
Wisconsin$77,485
United States$80,734
See the full table
Reedsburg next to Sauk County and Wisconsin
Measure
Reedsburg
Sauk County
Wisconsin
U.S.
Typical home value
$229,100 ▼11% below the county
$258,600
$266,500
$332,700
Typical monthly rent
$977 ▼4% below the county
$1,018
$1,087
$1,413
Typical yearly household income
$75,028 ▼6% below the county
$79,541
$77,485
$80,734
Households that own their home
61% ▼11 points below the county
72%
68%
65%
Typical yearly property tax
$3,744
$3,755
$3,792
$3,119
Effective property tax rate
1.63% ▲0.18 points above the county
1.45%
1.42%
0.94%
Renters with high rent for their income
38% ▼2 points below the county
40%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sauk 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 Reedsburg
For a typical $229,100 home in Reedsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Reedsburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,032a month
Least cash to close
Down payment
$8,019
Cash to close
$14,892
Rate
7.18%
Mortgage insurance
FHA MIP · $101
Conventional, 5% down$1,990a month
Down payment
$11,455
Cash to close
$18,328
Rate
7.18%
Mortgage insurance
PMI · $109
Conventional, 20% down, no PMI$1,648a month
Down payment
$45,820
Cash to close
$52,693
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,860a month
Down payment
$34,365
Cash to close
$41,238
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Reedsburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,032
$8,019
$224,950
7.18%
FHA MIP · $101
$14,892
580
Conventional, 5% down
$1,990
$11,455
$217,645
7.18%
PMI · $109
$18,328
620*
Conventional, 20% down, no PMI
$1,648
$45,820
$183,280
7.18%
None
$52,693
620*
ITIN, 15% down (example)
$1,860
$34,365
$194,735
8.18%
None
$41,238
Set by the lender
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.
Typical rent in Reedsburg is $977 a month: 4% below the county. In Reedsburg, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sauk County, by unit size. To pay the 2-bedroom one ($1,168 a month) without spending more than 30% of your income, you would need to earn $22.46 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sauk County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$843
$16.21
$33,720
1 bedroom
$996
$19.15
$39,840
2 bedrooms
$1,168
$22.46
$46,720
3 bedrooms
$1,448
$27.85
$57,920
4 bedrooms
$1,577
$30.33
$63,080
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 Reedsburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Reedsburg is in ZIP code 53959.
For 2 bedrooms it is $1,120: $48 less than the fair market rent for Sauk County ($1,168).
Fair market rent by ZIP code and size in Reedsburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53959
$810
$950
$1,120
$1,390
$1,510
ZIP code2 bd3 bd
53959 $1,120$1,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Reedsburg 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Sauk County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Reedsburg or Sauk County. The ones below are statewide in Wisconsin: they work in Reedsburg the same as in the rest of the state.
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).
$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).
No legal help resource on our list is for Reedsburg or Sauk County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Reedsburg and all of Sauk 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 Reedsburg?
The typical home value in Reedsburg is $229,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sauk County it is $258,600.
How much does it cost to rent in Reedsburg?
Typical rent in Reedsburg is $977 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sauk County is $1,168.
What is the FHA loan limit in Reedsburg?
Reedsburg uses the FHA limit for all of Sauk 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 Reedsburg?
The typical homeowner in Reedsburg pays $3,744 a year, according to the U.S. Census Bureau. That is 1.63% of the home’s value; in Sauk County, the rate is 1.45%.
Where can I find free help to buy or rent in Reedsburg?
We found no HUD-approved counseling agencies with an office in Sauk County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
