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City · 5,109 residents · Richland County, Wisconsin

Richland Center , Wisconsin

In Richland Center, a typical home is worth $158,300 and typical rent is $683 a month. Compared with all of Richland County, typical household income is 22% lower, the typical home value is 20% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $158,300

    20% below the county

    41% below Wisconsin

    • Richland Center
    • Richland
    • Wisconsin

  • Typical rent

    $683a month

    11% below the county

    37% below Wisconsin

    • Richland Center
    • Richland
    • Wisconsin

  • Typical household income

    $51,932a year

    22% below the county

    33% below Wisconsin

    • Richland Center
    • Richland
    • Wisconsin

  • Households that own their home

    51%

    23 points below the county

    17 points below Wisconsin

    • Richland Center
    • Richland
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$198,133
10.5% more than 12 months ago

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

Richland Center is in Richland 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 Richland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Richland Center apart

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

  1. Richland Center has the 2nd lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($683).

  2. 51% of households in Richland Center own their home, against 74% in Richland County.

  3. Richland Center has the 5th lowest typical household income of the 156 cities in Wisconsin with more than 5,000 people ($51,932).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Richland Center rose 10.5%; in Wisconsin, it rose 5.1%.

  5. Richland Center has the 9th lowest typical home value of the 156 cities in Wisconsin with more than 5,000 people ($158,300).

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

The homes here

Housing in Richland Center

What homes there are in Richland Center, 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 Richland Center (61%), but less so than in Richland County (81%).

Year built

The typical home in Richland Center was built in 1961, 10 years before the typical one in Richland County.

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 Richland County is $1,014; about 75% of rents in Richland Center are below it.

With a mortgage

$1,300 a month

Richland County: $1,385 a month

Without a mortgage

$573 a month

Richland County: $578 a month

Owners with a mortgage

53%

Richland County: 51%

The typical cost for an owner with a mortgage in Richland Center is $1,300 a month, less than in Richland County ($1,385); without one, $573.

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 Richland Center rose 57%; in Richland County, it rose 41%.

Much as in Richland County, the typical rent in Richland Center rose 18% since 2015–2019.

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

MeasureRichland CenterRichland 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 estimate2.2%1.7%3.4%
People per household 2.042.322.332.53
Drive alone 82%80%74%69%
Carpool 8%8%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 7%9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Richland Center are smaller: 2.04 people on average; in Richland County, 2.32.

To get to work, 82% of workers in Richland Center drive alone; in Richland County, 80%.

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 Richland Center?

A typical home is tight for the typical income

We start with a typical home in Richland Center, worth $158,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Richland Center, which is $51,932 a year. For that payment to be 28% of income, a household would need to earn about $60,339 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Richland Center. 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 $5,541 (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

$1,408

at 7.18% · 30 years

Loan amount
$155,432
Total interest
$223,631
Paid off in
November 2056

Includes $2,673 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,212 a month

  • Tight

    $1,212 to $1,558 a month

    Your payment · 33%

  • Hard

    more than $1,558 a month

Compared with the typical household income in Richland Center ($51,932 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,408
Principal & interest$1,053
Property tax$219
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,541 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

Richland Center and Richland County

Richland Center is in Richland 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).

Richland Center's own numbers

Typical home value
$158,300
Typical monthly rent
$683
Typical yearly household income
$51,932
Households that own their home
51%
Effective property tax rate
1.66%

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

Numbers for all of Richland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
1.4%

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 Richland County.

Everything about Richland County

Buying

Buying a home in Richland Center

A typical home in Richland Center is worth $158,300: 20% below the county and 41% below Wisconsin. With the typical household income in Richland Center ($51,932 a year), a typical home costs 3.0 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.

  • Richland Center 3.0 years
  • Richland 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 Richland County

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

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

Period County Wisconsin U.S.
Last year (2025) +12.2% +5.4% +2.9%
5 years (2020–2025) +67% +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

Richland Center next to Richland 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
  • Richland Center $158,300
  • Richland $197,500
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Richland Center $683
  • Richland $771
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Richland Center $51,932
  • Richland $66,420
  • Wisconsin $77,485
  • United States $80,734
See the full table
Richland Center next to Richland County and Wisconsin
Measure Richland Center Richland County Wisconsin U.S.
Typical home value $158,300 $197,500 $266,500 $332,700
Typical monthly rent $683 $771 $1,087 $1,413
Typical yearly household income $51,932 $66,420 $77,485 $80,734
Households that own their home 51% 74% 68% 65%
Typical yearly property tax $2,627 $2,735 $3,792 $3,119
Effective property tax rate 1.66% 1.38% 1.42% 0.94%
Renters with high rent for their income 37% 37% 44% 51%

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

For a typical $158,300 home in Richland Center, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Richland Center's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,408a month

    Least cash to close
    Down payment
    $5,541
    Cash to close
    $10,290
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,379a month

    Down payment
    $7,915
    Cash to close
    $12,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,143a month

    Down payment
    $31,660
    Cash to close
    $36,409
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,289a month

    Down payment
    $23,745
    Cash to close
    $28,494
    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 Richland Center and for Richland County.

Property tax

Effective rate in Richland Center

1.66%of the home’s value each year

$2,627 a year for the typical owner in Richland Center.

  • Richland Center 1.66%
  • Richland 1.38%
  • 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 Richland County

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

Homes in the high-risk zone
1.4%
105
Of those, with NFIP insurance
11%
County Wisconsin U.S.
Homes in the high-risk zone 1.4% 1.4% 3.5%
Of those, with NFIP insurance 11% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Richland Center

Typical rent in Richland Center is $683 a month: 11% below the county. In Richland Center, 37% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Richland County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Richland 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 $706 $13.58 $28,240
1 bedroom $849 $16.33 $33,960
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,283 $24.67 $51,320
4 bedrooms $1,491 $28.67 $59,640

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 Richland Center

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Richland Center is in ZIP code 53581.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Richland County ($1,014).

  • 53581 $1,010$1,290

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

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

  • Richland County Housing 975 W Seminary St, Richland Center 53581 78 low-income homes · For older adults (608) 647-2525
  • Richland Hills Apts 701 W Seminary St, Richland Center 53581 63 homes, 59 low-income · Run by Richland Center Housing Authority · Average payment: $423 a month · Average wait: 2 months (608) 647-4877
  • Woodbury Village Apts 1680 Wedgewood Dr, Richland Center 53581 24 low-income homes · 1 bd: 4 · 2 bd: 12 · 3 bd: 8 · In service since 1998
  • Pine River Terrace 1480 Wedgewood Dr, Richland Center 53581 20 low-income homes · 1 bd: 20 · In service since 2000
  • Tom Woodman Villa 1701 Woodland Cir, Richland Center 53581 19 low-income homes · For older adults (800) 685-9353

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

Free help

Help to buy or rent in Richland Center

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.

There is 1 HUD-approved agency with an office in Richland County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Richland Center

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

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

  • Neighborhood Housing Services of Southwest Wisconsin

    125 E Seminary St, Richland Center · 0 miles away

    • Budget and credit workshops
    • Home improvement and repairs
    • and 2 more
    (608) 647-4949

  • Couleecap Inc.

    201 Melby St, Westby · 32 miles away · Spanish

    Also serves in Hmong.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (608) 782-4877

  • Catholic Charities - La Crosse, Inc.

    3710 East Ave S, La Crosse · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (608) 782-0710

Every agency in Richland County All counseling agencies in Wisconsin

Help in Spanish near Richland Center

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 Richland Center

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

All housing agencies in Wisconsin Source: HUD

Cities

Nearby cities

The cities closest to Richland Center, with the typical home value.

Everything about Richland County Housing in Wisconsin

Neighboring counties

If Richland 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 Richland Center.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Richland Center

Short answers with the numbers for Richland Center and all of Richland 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 Richland Center?

The typical home value in Richland Center is $158,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richland County it is $197,500.

How much does it cost to rent in Richland Center?

Typical rent in Richland Center is $683 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richland County is $1,014.

What is the FHA loan limit in Richland Center?

Richland Center uses the FHA limit for all of Richland 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 Richland Center?

The typical homeowner in Richland Center pays $2,627 a year, according to the U.S. Census Bureau. That is 1.66% of the home’s value; in Richland County, the rate is 1.38%.

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

There is 1 HUD-approved counseling agency with an office in Richland County. 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).