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City · 25,785 residents · Portage County, Wisconsin

Stevens Point , Wisconsin

In Stevens Point, a typical home is worth $195,400 and typical rent is $890 a month. Compared with all of Portage County, typical household income is 24% lower, the typical home value is 20% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $195,400

    20% below the county

    27% below Wisconsin

    • Stevens Point
    • Portage
    • Wisconsin

  • Typical rent

    $890a month

    5% below the county

    18% below Wisconsin

    • Stevens Point
    • Portage
    • Wisconsin

  • Typical household income

    $58,031a year

    24% below the county

    25% below Wisconsin

    • Stevens Point
    • Portage
    • Wisconsin

  • Households that own their home

    51%

    19 points below the county

    17 points below Wisconsin

    • Stevens Point
    • Portage
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$285,922
7.8% more than 12 months ago
Typical rent
$1,392 a month
0.7% more than 12 months ago

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

Stevens Point is in Portage 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 Portage County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stevens Point apart

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

  1. 51% of households in Stevens Point own their home, against 70% in Portage County.

  2. Nearby, in Wisconsin Rapids, the typical home value is $131,900: 32% less than in Stevens Point ($195,400).

  3. The typical household income in Stevens Point is $58,031, 24% less than in Portage County as a whole ($76,070).

  4. The typical home in Stevens Point is worth $195,400, 20% less than in Portage County as a whole ($243,100).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Stevens Point

What homes there are in Stevens Point, 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 Stevens Point (50%), but less so than in Portage County (69%).

Year built

Homes in Stevens Point are older: the typical year built is 1972; in Portage County, 1979.

There are fewer big homes in Stevens Point than in Portage County: 50% have 3 bedrooms or more, against 65%.

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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Stevens Point sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,424 a month

Portage County: $1,561 a month

Without a mortgage

$624 a month

Portage County: $608 a month

Owners with a mortgage

56%

Portage County: 55%

In Stevens Point, 56% of owners have a mortgage, and their typical cost is $1,424 a month, against $1,561 in Portage County. Without one it drops to $624.

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

The typical home value in Stevens Point rose 40% since 2015–2019, less than in Portage County (45%).

The typical rent in Stevens Point rose 21% since 2015–2019, about the same as in Portage County (21%).

To compare: typical income in Stevens Point rose 28%; the home, +40%; the rent, +21%.

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

MeasureStevens PointPortage 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 estimate1.3%1.7%3.4%
People per household 2.132.292.332.53
Drive alone 67%74%74%69%
Carpool 10%8%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 10%5%3%3%
Work from home 13%13%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.13 on average, against 2.29 in Portage County.

Many here get to work on foot or by bike: 10%, more than in Portage County (5%).

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 Stevens Point?

A typical home costs more than the typical income allows

We start with a typical home in Stevens Point, worth $195,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Stevens Point, which is $58,031 a year. For that payment to be 28% of income, a household would need to earn about $75,108 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stevens Point. 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 $6,839 (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

$1,753

at 7.18% · 30 years

Loan amount
$191,861
Total interest
$276,043
Paid off in
November 2056

Includes $3,300 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,354 a month

  • Tight

    $1,354 to $1,741 a month

  • Hard

    more than $1,741 a month

    Your payment · 36%

Compared with the typical household income in Stevens Point ($58,031 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,753
Principal & interest$1,300
Property tax$285
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,839 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

Stevens Point and Portage County

Stevens Point is in Portage 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).

Stevens Point's own numbers

Typical home value
$195,400
Typical monthly rent
$890
Typical yearly household income
$58,031
Households that own their home
51%
Effective property tax rate
1.75%

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

Numbers for all of Portage County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,077
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.1%

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 Portage County.

Everything about Portage County

Buying

Buying a home in Stevens Point

A typical home in Stevens Point is worth $195,400: 20% below the county and 27% below Wisconsin. With the typical household income in Stevens Point ($58,031 a year), a typical home costs 3.4 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.

  • Stevens Point 3.4 years
  • Portage 3.2 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Portage County

According to FHFA’s house price index, home prices in Portage County rose 92% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +4.5% +5.4% +2.9%
5 years (2020–2025) +57% +57% +47%
10 years (2015–2025) +92% +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

Stevens Point next to Portage 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
  • Stevens Point $195,400
  • Portage $243,100
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Stevens Point $890
  • Portage $940
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Stevens Point $58,031
  • Portage $76,070
  • Wisconsin $77,485
  • United States $80,734
See the full table
Stevens Point next to Portage County and Wisconsin
Measure Stevens Point Portage County Wisconsin U.S.
Typical home value $195,400 $243,100 $266,500 $332,700
Typical monthly rent $890 $940 $1,087 $1,413
Typical yearly household income $58,031 $76,070 $77,485 $80,734
Households that own their home 51% 70% 68% 65%
Typical yearly property tax $3,429 $3,492 $3,792 $3,119
Effective property tax rate 1.75% 1.44% 1.42% 0.94%
Renters with high rent for their income 43% 39% 44% 51%

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

For a typical $195,400 home in Stevens Point, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stevens Point's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,753a month

    Least cash to close
    Down payment
    $6,839
    Cash to close
    $12,701
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,717a month

    Down payment
    $9,770
    Cash to close
    $15,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,425a month

    Down payment
    $39,080
    Cash to close
    $44,942
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,606a month

    Down payment
    $29,310
    Cash to close
    $35,172
    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 Stevens Point and for Portage County.

Property tax

Effective rate in Stevens Point

1.75%of the home’s value each year

$3,429 a year for the typical owner in Stevens Point.

  • Stevens Point 1.75%
  • Portage 1.44%
  • 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 Portage County

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

Homes in the high-risk zone
1.1%
239
Of those, with NFIP insurance
9.2%
County Wisconsin U.S.
Homes in the high-risk zone 1.1% 1.4% 3.5%
Of those, with NFIP insurance 9.2% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stevens Point

Typical rent in Stevens Point is $890 a month: 5% below the county. In Stevens Point, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Portage County, by unit size. To pay the 2-bedroom one ($1,077 a month) without spending more than 30% of your income, you would need to earn $20.71 an hour working full time.

HUD fair market rent for all of Portage 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 $750 $14.42 $30,000
1 bedroom $828 $15.92 $33,120
2 bedrooms $1,077 $20.71 $43,080
3 bedrooms $1,283 $24.67 $51,320
4 bedrooms $1,415 $27.21 $56,600

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 Stevens Point

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stevens Point has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,070 in 54481 to $1,170 in 54482.

1 of the 2 is above the fair market rent for Portage County ($1,077).

  • 54481 $1,070$1,270
  • 54482 $1,170$1,390

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Stevens Point 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 Stevens Point

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

  • Scattered Sites 733 Johns Dr, Stevens Point 54481 180 homes, 173 low-income · Run by Stevens Point Housing Authority · Average payment: $376 a month · Average wait: 14 months · Homes at several sites (715) 341-3444
  • HI RISE MANOR - Tax Credit 1300 Briggs Ct, Stevens Point 54481 73 low-income homes · Run by Stevens Point Housing Authority · Average payment: $397 a month · Average wait: 24 months (715) 341-3444
  • Woodside Village Apts 232 Prentice St N, Stevens Point 54481 48 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 16 · In service since 1996
  • Wyndmere Estates 219 Prentice St, Stevens Point 54481 48 low-income homes · 1 bd: 15 · 2 bd: 33 · In service since 1995
  • River Cove Apartments 2601 Indiana Ave, Stevens Point 54481 40 low-income homes · 2 bd: 40 · In service since 2017 · For families (715) 718-0449

See all 16 buildings in Portage County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stevens Point

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Stevens Point

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

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

  • First Nations Community Financial

    206 S Roosevelt Rd Ste 123, Black River Falls · 66 miles away

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (715) 284-2470

  • Catholic Charities Diocese of Green Bay

    1825 Riverside Dr, Green Bay · 75 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 · 75 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 Stevens Point

1 of the 3 agencies on this list says it serves 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 Stevens Point

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

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Portage County

These cities are also in Portage County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Portage County Housing in Wisconsin

Nearby cities

The cities closest to Stevens Point, with the typical home value.

Neighboring counties

If Portage 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 Stevens Point.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Stevens Point

Short answers with the numbers for Stevens Point and all of Portage 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 Stevens Point?

The typical home value in Stevens Point is $195,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Portage County it is $243,100.

How much does it cost to rent in Stevens Point?

Typical rent in Stevens Point is $890 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Portage County is $1,077.

What is the FHA loan limit in Stevens Point?

Stevens Point uses the FHA limit for all of Portage 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 Stevens Point?

The typical homeowner in Stevens Point pays $3,429 a year, according to the U.S. Census Bureau. That is 1.75% of the home’s value; in Portage County, the rate is 1.44%.

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

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