City · 9,004 residents · Milwaukee County, Wisconsin
St. Francis, Wisconsin
In St. Francis, a typical home is worth $234,500 and typical rent is $1,004 a month. Compared with all of Milwaukee County, typical household income is 11% lower and typical rent is 9% lower.
Typical home value from Zillow, September 2021 to September 2026: from $243,896 to $281,236.
Typical rent
$1,460a month
▲ 5.6% more than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $1,284 to $1,460.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Francis is in Milwaukee 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 Milwaukee County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in St. Francis fell 0.6%; in Wisconsin, it rose 5.1%.
Sources: Zillow (September 2026 data). Zillow data
The homes here
Housing in St. Francis
What homes there are in St. Francis, 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
St. Francis
Milwaukee County
Wisconsin
United States
Kind of home: St. Francis and its comparisons
Measure
St. Francis
Milwaukee County
Wisconsin
United States
Detached house
45%
45%
66%
61%
Attached house
Unreliable estimate
4%
4%
6%
Building of 2 to 4
14%
22%
9%
8%
Apartments (5 or more)
36%
28%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Francis there is a bit of everything: no kind of home reaches half. The most common are detached houses (45%), as in Milwaukee County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
St. Francis
Milwaukee County
Wisconsin
United States
Year built: St. Francis and its comparisons
Measure
St. Francis
Milwaukee County
Wisconsin
United States
Before 1960
48%
56%
33%
26%
1960–1979
16%
23%
24%
24%
1980–1999
14%
11%
22%
25%
2000–2009
12%
5%
13%
14%
2010 or later
Unreliable estimate
5%
9%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K32%
$200K–$300K40%
$300K–$500K17%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Francis and its comparisons
Measure
St. Francis
Under $100K
Unreliable estimate
$100K–$200K
32%
$200K–$300K
40%
$300K–$500K
17%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99946%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Francis and its comparisons
Measure
St. Francis
Under $500
Unreliable estimate
$500–$999
46%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,504 a month
Milwaukee County: $1,688 a month
Without a mortgage
$700 a month
Milwaukee County: $738 a month
Owners with a mortgage
58%
Milwaukee County: 65%
Owning costs less in St. Francis: with a mortgage, the typical cost is $1,504 a month; in Milwaukee County, $1,688. Without one, $700.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Francis+54%
Milwaukee County+46%
Wisconsin+48%
United States+53%
Typical rent
St. Francis+34%
Milwaukee County+25%
Wisconsin+27%
United States+33%
Typical household income
St. Francis+29%
Milwaukee County+27%
Wisconsin+26%
United States+29%
Change since 2015–2019: St. Francis and its comparisons
Measure
St. Francis
Milwaukee County
Wisconsin
United States
Typical home value
+54%
+46%
+48%
+53%
Typical rent
+34%
+25%
+27%
+33%
Typical household income
+29%
+27%
+26%
+29%
Since 2015–2019, homes in St. Francis gained value faster than in Milwaukee County: 54% against 46%.
The typical rent in St. Francis rose 34% over the same time; in Milwaukee County, it rose 25%.
Here income did not keep up with housing: it rose 29%, while home values changed +54% and rent +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Francis and its comparisons
Measure
St. Francis
Milwaukee County
Wisconsin
United States
Rental vacancy
Unreliable estimate
6.1%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.5%
0.9%
More than one person per room
Unreliable estimate
2.5%
1.7%
3.4%
People per household
1.69
2.31
2.33
2.53
Drive alone
72%
69%
74%
69%
Carpool
Unreliable estimate
9%
7%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
4%
3%
3%
Work from home
21%
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 1.69 on average, against 2.31 in Milwaukee County.
Working from home is more common in St. Francis: 21%, against 14% in Milwaukee County.
Do the math
What would you pay each month for a home in St. Francis?
A typical home costs more than the typical income allows
We start with a typical home in St. Francis, worth $234,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in St. Francis, which is $57,368 a year. For that payment to be 28% of income, a household would need to earn about $91,897 a year.
The calculator's FHA and conventional loan limits are those of all of Milwaukee 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 St. Francis. 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 $8,208 (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
$2,144
at 7.18% · 30 years
Loan amount
$230,252
Total interest
$331,279
Paid off in
November 2056
Includes $3,960 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,339 a month
Tight
$1,339 to $1,721 a month
Hard
more than $1,721 a month
Your payment · 45%
Compared with the typical household income in St. Francis ($57,368 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,560
Property tax
$383
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,208 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 $2,144; principal and interest $1,560.
The city and its county
St. Francis and Milwaukee County
St. Francis is in Milwaukee 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).
St. Francis
Map of Milwaukee County, Wisconsin, with St. Francis marked. Around it, the neighboring counties.
St. Francis
Milwaukee County
Other cities with a page
St. Francis's own numbers
Typical home value
$234,500
Typical monthly rent
$1,004
Typical yearly household income
$57,368
Households that own their home
55%
Effective property tax rate
1.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Milwaukee 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)
+56%
Homes in a high flood-risk zone
0.3%
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 Milwaukee County.
A typical home in St. Francis is worth $234,500: about the same as the county and 12% below Wisconsin. With the typical household income in St. Francis ($57,368 a year), a typical home costs 4.1 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.
St. Francis4.1 years
Milwaukee3.6 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Milwaukee County
According to FHFA’s house price index, home prices in Milwaukee County rose 96% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Milwaukee County.
Yearly change in FHFA’s price index in Milwaukee County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +4.7% +4.7% 2017
2018: +5.7% +5.7% 2018
2019: +5.2% +5.2% 2019
2020: +3.8% +3.8% 2020
2021: +10.1% +10.1% 2021
2022: +13.4% +13.4% 2022
2023: +10.8% +10.8% 2023
2024: +6.7% +6.7% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Milwaukee County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.8%
+5.4%
+2.9%
5 years (2020–2025)
+56%
+57%
+47%
10 years (2015–2025)
+96%
+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
St. Francis next to Milwaukee 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
St. Francis$234,500
Milwaukee$230,700
Wisconsin$266,500
United States$332,700
Typical monthly rent
St. Francis$1,004
Milwaukee$1,101
Wisconsin$1,087
United States$1,413
Typical yearly household income
St. Francis$57,368
Milwaukee$64,435
Wisconsin$77,485
United States$80,734
See the full table
St. Francis next to Milwaukee County and Wisconsin
Measure
St. Francis
Milwaukee County
Wisconsin
U.S.
Typical home value
$234,500
$230,700
$266,500
$332,700
Typical monthly rent
$1,004 ▼9% below the county
$1,101
$1,087
$1,413
Typical yearly household income
$57,368 ▼11% below the county
$64,435
$77,485
$80,734
Households that own their home
55% ▲5 points above the county
50%
68%
65%
Typical yearly property tax
$4,592 ▲3% above the county
$4,444
$3,792
$3,119
Effective property tax rate
1.96% ▲0.03 points above the county
1.93%
1.42%
0.94%
Renters with high rent for their income
45% ▼3 points below the county
48%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Milwaukee 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 St. Francis
For a typical $234,500 home in St. Francis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Francis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,144a month
Least cash to close
Down payment
$8,208
Cash to close
$15,243
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$2,101a month
Down payment
$11,725
Cash to close
$18,760
Rate
7.18%
Mortgage insurance
PMI · $111
Conventional, 20% down, no PMI$1,752a month
Down payment
$46,900
Cash to close
$53,935
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,968a month
Down payment
$35,175
Cash to close
$42,210
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Francis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,144
$8,208
$230,253
7.18%
FHA MIP · $104
$15,243
580
Conventional, 5% down
$2,101
$11,725
$222,775
7.18%
PMI · $111
$18,760
620*
Conventional, 20% down, no PMI
$1,752
$46,900
$187,600
7.18%
None
$53,935
620*
ITIN, 15% down (example)
$1,968
$35,175
$199,325
8.18%
None
$42,210
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 St. Francis is $1,004 a month: 9% below the county. In St. Francis, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Milwaukee 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.
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 are 5 HUD-approved agencies with an office in Milwaukee County; 4 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for St. Francis or Milwaukee County. The ones below are statewide in Wisconsin: they work in St. Francis 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 St. Francis or Milwaukee 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 St. Francis and all of Milwaukee 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 St. Francis?
The typical home value in St. Francis is $234,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Milwaukee County it is $230,700.
How much does it cost to rent in St. Francis?
Typical rent in St. Francis is $1,004 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Milwaukee County is $1,263.
What is the FHA loan limit in St. Francis?
St. Francis uses the FHA limit for all of Milwaukee 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 St. Francis?
The typical homeowner in St. Francis pays $4,592 a year, according to the U.S. Census Bureau. That is 1.96% of the home’s value; in Milwaukee County, the rate is 1.93%.
Where can I find free help to buy or rent in St. Francis?
There are 5 HUD-approved counseling agencies with an office in Milwaukee County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
