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City · 8,316 residents · Oneida County, Wisconsin

Rhinelander , Wisconsin

In Rhinelander, a typical home is worth $125,700 and typical rent is $804 a month. Compared with all of Oneida County, the typical home value is 47% lower, typical household income is 26% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $125,700

    47% below the county

    53% below Wisconsin

    • Rhinelander
    • Oneida
    • Wisconsin

  • Typical rent

    $804a month

    9% below the county

    26% below Wisconsin

    • Rhinelander
    • Oneida
    • Wisconsin

  • Typical household income

    $51,421a year

    26% below the county

    34% below Wisconsin

    • Rhinelander
    • Oneida
    • Wisconsin

  • Households that own their home

    66%

    17 points below the county

    2 points below Wisconsin

    • Rhinelander
    • Oneida
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$265,565
8.3% more than 12 months ago
Typical rent
$1,164 a month

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

Rhinelander is in Oneida 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 Oneida County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rhinelander apart

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

  1. Rhinelander has the 4th lowest typical household income of the 156 cities in Wisconsin with more than 5,000 people ($51,421).

  2. Rhinelander has the 4th lowest typical home value of the 156 cities in Wisconsin with more than 5,000 people ($125,700).

  3. 66% of households in Rhinelander own their home, against 82% in Oneida County.

  4. Nearby, in Antigo, the typical home value is $104,800: 17% less than in Rhinelander ($125,700).

  5. Rhinelander has the 10th lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($804).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Rhinelander rose 8.3%; in Wisconsin, it rose 5.1%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rhinelander

What homes there are in Rhinelander, 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 Rhinelander (65%), but less so than in Oneida County (84%).

Year built

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

HUD's 2-bedroom fair market rent (FMR) for Oneida County is $1,027; about 72% of rents in Rhinelander are below it.

With a mortgage

$1,152 a month

Oneida County: $1,409 a month

Without a mortgage

$507 a month

Oneida County: $499 a month

Owners with a mortgage

57%

Oneida County: 54%

Owning costs less in Rhinelander: with a mortgage, the typical cost is $1,152 a month; in Oneida County, $1,409. Without one, $507.

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, home values in Rhinelander rose at about the same pace as in Oneida County: 39% against 37%.

Rent in Rhinelander moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureRhinelanderOneida CountyWisconsinUnited States
Rental vacancy 27.9%17.8%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimate1.1%1.7%3.4%
People per household 2.232.152.332.53
Drive alone 73%76%74%69%
Carpool 11%9%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 8%11%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

In Rhinelander, the rental vacancy rate is 27.9%; in Oneida County, 17.8%.

A household in Rhinelander has 2.23 people on average, about the same as in Oneida County (2.15).

To get to work, 73% of workers in Rhinelander drive alone; in Oneida County, 76%.

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 Rhinelander?

A typical home is within reach of the typical income

We start with a typical home in Rhinelander, worth $125,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Rhinelander, which is $51,421 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rhinelander. 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 $4,400 (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

$1,104

at 7.18% · 30 years

Loan amount
$123,423
Total interest
$177,576
Paid off in
November 2056

Includes $2,123 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,200 a month

    Your payment · 26%

  • Tight

    $1,200 to $1,543 a month

  • Hard

    more than $1,543 a month

Compared with the typical household income in Rhinelander ($51,421 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,104
Principal & interest$836
Property tax$160
Home insurance$52
FHA mortgage insurance (MIP)$56

You need at least $4,400 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

Rhinelander and Oneida County

Rhinelander is in Oneida 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).

Rhinelander's own numbers

Typical home value
$125,700
Typical monthly rent
$804
Typical yearly household income
$51,421
Households that own their home
66%
Effective property tax rate
1.53%

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

Numbers for all of Oneida County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,027
Price change over 5 years (FHFA)
+72%
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 Oneida County.

Everything about Oneida County

Buying

Buying a home in Rhinelander

A typical home in Rhinelander is worth $125,700: 47% below the county and 53% below Wisconsin. With the typical household income in Rhinelander ($51,421 a year), a typical home costs 2.4 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.

  • Rhinelander 2.4 years
  • Oneida 3.4 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Oneida County

According to FHFA’s house price index, home prices in Oneida County rose 98% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +8.6% +5.4% +2.9%
5 years (2020–2025) +72% +57% +47%
10 years (2015–2025) +98% +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

Rhinelander next to Oneida 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
  • Rhinelander $125,700
  • Oneida $238,400
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Rhinelander $804
  • Oneida $885
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Rhinelander $51,421
  • Oneida $69,371
  • Wisconsin $77,485
  • United States $80,734
See the full table
Rhinelander next to Oneida County and Wisconsin
Measure Rhinelander Oneida County Wisconsin U.S.
Typical home value $125,700 $238,400 $266,500 $332,700
Typical monthly rent $804 $885 $1,087 $1,413
Typical yearly household income $51,421 $69,371 $77,485 $80,734
Households that own their home 66% 82% 68% 65%
Typical yearly property tax $1,921 $2,123 $3,792 $3,119
Effective property tax rate 1.53% 0.89% 1.42% 0.94%
Renters with high rent for their income 40% 44% 44% 51%

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

For a typical $125,700 home in Rhinelander, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rhinelander's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,104a month

    Least cash to close
    Down payment
    $4,400
    Cash to close
    $8,171
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $56

  • Conventional, 5% down $1,081a month

    Down payment
    $6,285
    Cash to close
    $10,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $60

  • Conventional, 20% down, no PMI $894a month

    Down payment
    $25,140
    Cash to close
    $28,911
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,010a month

    Down payment
    $18,855
    Cash to close
    $22,626
    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 Rhinelander and for Oneida County.

Property tax

Effective rate in Rhinelander

1.53%of the home’s value each year

$1,921 a year for the typical owner in Rhinelander.

  • Rhinelander 1.53%
  • Oneida 0.89%
  • 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 Oneida County

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

Homes in the high-risk zone
0.8%
187
Of those, with NFIP insurance
7%
County Wisconsin U.S.
Homes in the high-risk zone 0.8% 1.4% 3.5%
Of those, with NFIP insurance 7% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rhinelander

Typical rent in Rhinelander is $804 a month: 9% below the county. In Rhinelander, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Oneida County, by unit size. To pay the 2-bedroom one ($1,027 a month) without spending more than 30% of your income, you would need to earn $19.75 an hour working full time.

HUD fair market rent for all of Oneida 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 $852 $16.38 $34,080
1 bedroom $943 $18.13 $37,720
2 bedrooms $1,027 $19.75 $41,080
3 bedrooms $1,289 $24.79 $51,560
4 bedrooms $1,445 $27.79 $57,800

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 Rhinelander

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rhinelander is in ZIP code 54501.

For 2 bedrooms it is $1,010: $17 less than the fair market rent for Oneida County ($1,027).

  • 54501 $1,010$1,280

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

HUD lists 9 buildings with rents for lower incomes in Rhinelander. These are the largest.

  • Rhine Haus Highland Estates 1205 Tracy St, Rhinelander 54501 95 low-income homes · For older adults (715) 362-7855
  • Evergreen Manor 411 W Phillip St, Rhinelander 54501 50 low-income homes · Studio: 3 · 1 bd: 45 · 2 bd: 2 · In service since 2011 · Run by Rhinelander Housing Authority · Average payment: $454 a month · Average wait: 23 months · Homes at several sites (715) 365-7979
  • Cedar Pointe Apts 807 E Timber Dr, Rhinelander 54501 40 low-income homes · 1 bd: 10 · 2 bd: 20 · 3 bd: 10 · In service since 1996
  • Cedar Pointe Apts II 809 E Timber Dr, Rhinelander 54501 16 low-income homes · 1 bd: 2 · 2 bd: 8 · 3 bd: 6 · In service since 1997
  • Highland Estates II 326 Sumac Trl, Rhinelander 54501 16 low-income homes · For families (715) 362-7855

See all 14 buildings in Oneida County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rhinelander

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Rhinelander

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

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

  • Wisconsin Native Loan Fund

    14284 State Highway 70 W, Lac Du Flambeau · 30 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (715) 588-1600

  • Neighborworks Green Bay

    437 S Jackson St, Green Bay · 104 miles away · Spanish

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

  • Catholic Charities Diocese of Green Bay

    1825 Riverside Dr, Green Bay · 105 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 Rhinelander

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 Rhinelander

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

  • Rhinelander Housing Authority Public housing and Section 8 vouchers (715) 365-7979

All housing agencies in Wisconsin Source: HUD

Cities

Nearby cities

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

Everything about Oneida County Housing in Wisconsin

Neighboring counties

If Oneida 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 Rhinelander.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Rhinelander

Short answers with the numbers for Rhinelander and all of Oneida 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 Rhinelander?

The typical home value in Rhinelander is $125,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oneida County it is $238,400.

How much does it cost to rent in Rhinelander?

Typical rent in Rhinelander is $804 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oneida County is $1,027.

What is the FHA loan limit in Rhinelander?

Rhinelander uses the FHA limit for all of Oneida 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 Rhinelander?

The typical homeowner in Rhinelander pays $1,921 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Oneida County, the rate is 0.89%.

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

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