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City · 9,522 residents · Shawano County, Wisconsin

Shawano , Wisconsin

In Shawano, a typical home is worth $160,800 and typical rent is $819 a month. Compared with all of Shawano County, the typical home value is 17% lower, typical household income is 14% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $160,800

    17% below the county

    40% below Wisconsin

    • Shawano
    • County
    • Wisconsin

  • Typical rent

    $819a month

    About the same as the county

    25% below Wisconsin

    • Shawano
    • County
    • Wisconsin

  • Typical household income

    $57,490a year

    14% below the county

    26% below Wisconsin

    • Shawano
    • County
    • Wisconsin

  • Households that own their home

    56%

    21 points below the county

    11 points below Wisconsin

    • Shawano
    • County
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$260,046
8.2% more than 12 months ago

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

Shawano is in Shawano 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 Shawano County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Shawano apart

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

  1. 56% of households in Shawano own their home, against 78% in Shawano County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Shawano rose 8.2%; in Wisconsin, it rose 5.1%.

  3. The typical home in Shawano is worth $160,800, 17% less than in Shawano County as a whole ($194,000).

  4. Shawano has the 12th lowest typical rent of the 154 cities in Wisconsin with more than 5,000 people ($819).

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

The homes here

Housing in Shawano

What homes there are in Shawano, 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 Shawano (56%), but less so than in Shawano County (79%).

Year built

By age, homes in Shawano look like those in Shawano County: the typical year built is 1973.

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

$1,110 a month

Shawano County: $1,363 a month

Without a mortgage

$487 a month

Shawano County: $548 a month

Owners with a mortgage

72%

Shawano County: 56%

Owning costs less in Shawano: with a mortgage, the typical cost is $1,110 a month; in Shawano County, $1,363. Without one, $487.

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

Since 2015–2019, homes in Shawano gained value faster than in Shawano County: 63% against 42%.

The typical rent in Shawano rose 32% since 2015–2019, about the same as in Shawano County (31%).

Here income did not keep up with housing: it rose 26%, while home values changed +63% and rent +32%.

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

MeasureShawanoShawano CountyWisconsinUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room 2.1%1.7%1.7%3.4%
People per household 2.212.352.332.53
Drive alone 79%79%74%69%
Carpool 7%7%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate9%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

More than one person per room: that is how 2.1% of households in Shawano live, near the figure in Shawano County (1.7%).

Fewer people live in each home here: 2.21 on average, against 2.35 in Shawano County.

In Shawano, 79% of workers drive alone to work; in Shawano County, 79%.

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 Shawano?

A typical home is tight for the typical income

We start with a typical home in Shawano, worth $160,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Shawano, which is $57,490 a year. For that payment to be 28% of income, a household would need to earn about $61,464 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Shawano. 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 $5,628 (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

$1,434

at 7.18% · 30 years

Loan amount
$157,888
Total interest
$227,163
Paid off in
November 2056

Includes $2,716 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,341 a month

  • Tight

    $1,341 to $1,725 a month

    Your payment · 30%

  • Hard

    more than $1,725 a month

Compared with the typical household income in Shawano ($57,490 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,434
Principal & interest$1,070
Property tax$227
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,628 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

Shawano and Shawano County

Shawano is in Shawano 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).

Shawano's own numbers

Typical home value
$160,800
Typical monthly rent
$819
Typical yearly household income
$57,490
Households that own their home
56%
Effective property tax rate
1.69%

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

Numbers for all of Shawano 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)
+71%

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 Shawano County.

Everything about Shawano County

Buying

Buying a home in Shawano

A typical home in Shawano is worth $160,800: 17% below the county and 40% below Wisconsin. With the typical household income in Shawano ($57,490 a year), a typical home costs 2.8 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.

  • Shawano 2.8 years
  • County 2.9 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Shawano County

According to FHFA’s house price index, home prices in Shawano County rose 102% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +4.9% +5.4% +2.9%
5 years (2020–2025) +71% +57% +47%
10 years (2015–2025) +102% +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

Shawano next to Shawano 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
  • Shawano $160,800
  • County $194,000
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Shawano $819
  • County $821
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Shawano $57,490
  • County $66,479
  • Wisconsin $77,485
  • United States $80,734
See the full table
Shawano next to Shawano County and Wisconsin
Measure Shawano Shawano County Wisconsin U.S.
Typical home value $160,800 $194,000 $266,500 $332,700
Typical monthly rent $819 $821 $1,087 $1,413
Typical yearly household income $57,490 $66,479 $77,485 $80,734
Households that own their home 56% 78% 68% 65%
Typical yearly property tax $2,712 $2,644 $3,792 $3,119
Effective property tax rate 1.69% 1.36% 1.42% 0.94%
Renters with high rent for their income 46% 42% 44% 51%

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

For a typical $160,800 home in Shawano, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shawano's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,434a month

    Least cash to close
    Down payment
    $5,628
    Cash to close
    $10,452
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,405a month

    Down payment
    $8,040
    Cash to close
    $12,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $1,165a month

    Down payment
    $32,160
    Cash to close
    $36,984
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,314a month

    Down payment
    $24,120
    Cash to close
    $28,944
    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 Shawano and for Shawano County.

Property tax

Effective rate in Shawano

1.69%of the home’s value each year

$2,712 a year for the typical owner in Shawano.

  • Shawano 1.69%
  • County 1.36%
  • 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 Shawano County

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

FEMA’s maps count no homes in the high-risk zone in Shawano County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Shawano

Typical rent in Shawano is $819 a month: about the same as the county. In Shawano, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Shawano 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 Shawano 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 $745 $14.33 $29,800
1 bedroom $843 $16.21 $33,720
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,328 $25.54 $53,120
4 bedrooms $1,333 $25.63 $53,320

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 Shawano

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shawano is in ZIP code 54166.

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

  • 54166 $1,010$1,340

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

HUD lists 4 buildings with rents for lower incomes in Shawano. These are the largest.

  • Parkside Apts 725 S Main St, Shawano 54166 146 low-income homes · Run by Shawano Housing Authority · Average payment: $392 a month · Average wait: 25 months (715) 524-2132
  • The Glenderry 1475 E Elizabeth St, Shawano 54166 36 low-income homes · 1 bd: 8 · 2 bd: 27 · 3 bd: 1 · In service since 2002
  • Historic Lincoln School 237 S Sawyer St, Shawano 54166 24 homes, 7 low-income · 2 bd: 17 · 3 bd: 7 · In service since 2014
  • Forest Towers 401 E 5th St, Shawano 54166 6 low-income homes · For people with disabilities (262) 446-9144

See all 8 buildings in Shawano County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Shawano

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Shawano

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

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

  • Neighborworks Green Bay

    437 S Jackson St, Green Bay · 34 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 · 34 miles away · Spanish

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

  • CCCS of Sheboygan

    17 Forest Avenue, Suite 016, Fond Du Lac · 69 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (920) 907-4344

All counseling agencies in Wisconsin

Help in Spanish near Shawano

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 Shawano

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

  • Shawano Housing Authority Public housing and Section 8 vouchers (715) 524-2132
  • Shawano County Housing Authority Public housing (715) 526-6960

All housing agencies in Wisconsin Source: HUD

Cities

Nearby cities

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

Everything about Shawano County Housing in Wisconsin

Neighboring counties

If Shawano 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 Shawano.

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

Questions

Housing questions about Shawano

Short answers with the numbers for Shawano and all of Shawano 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 Shawano?

The typical home value in Shawano is $160,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Shawano County it is $194,000.

How much does it cost to rent in Shawano?

Typical rent in Shawano is $819 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Shawano County is $1,014.

What is the FHA loan limit in Shawano?

Shawano uses the FHA limit for all of Shawano 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 Shawano?

The typical homeowner in Shawano pays $2,712 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Shawano County, the rate is 1.36%.

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

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