In Sturgeon Bay, a typical home is worth $236,300 and typical rent is $1,097 a month. Compared with all of Door County, the typical home value is 31% lower, typical household income is 20% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $282,905 to $384,289.
Typical rent
$1,550a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sturgeon Bay is in Door 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 Door County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Marinette, the typical home value is $120,200: 49% less than in Sturgeon Bay ($236,300).
2
60% of households in Sturgeon Bay own their home, against 78% in Door County.
3
Nearby, in Marinette, the typical rent is $807: 26% less than in Sturgeon Bay ($1,097).
4
The typical home in Sturgeon Bay is worth $236,300,31% less than in Door County as a whole ($342,600).
5
The typical household income in Sturgeon Bay is $59,926,20% less than in Door County as a whole ($74,795).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sturgeon Bay
What homes there are in Sturgeon Bay, 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
Sturgeon Bay
Door County
Wisconsin
United States
Kind of home: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Door County
Wisconsin
United States
Detached house
59%
74%
66%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
11%
6%
9%
8%
Apartments (5 or more)
Unreliable estimate
11%
17%
19%
Mobile home
7%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Sturgeon Bay, but it weighs less than in Door County: 59% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sturgeon Bay
Door County
Wisconsin
United States
Year built: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Door County
Wisconsin
United States
Before 1960
28%
26%
33%
26%
1960–1979
24%
20%
24%
24%
1980–1999
19%
28%
22%
25%
2000–2009
14%
15%
13%
14%
2010 or later
15%
12%
9%
11%
Homes in Sturgeon Bay are older: the typical year built is 1979; in Door County, 1983.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K10%
$100K–$200K29%
$200K–$300K26%
$300K–$500K19%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Under $100K
10%
$100K–$200K
29%
$200K–$300K
26%
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 84% of owner-occupied homes in Sturgeon Bay sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99927%
$1,000–$1,49953%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Under $500
Unreliable estimate
$500–$999
27%
$1,000–$1,499
53%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,321 a month
Door County: $1,696 a month
Without a mortgage
$662 a month
Door County: $698 a month
Owners with a mortgage
49%
Door County: 52%
In Sturgeon Bay, 49% of owners have a mortgage, and their typical cost is $1,321 a month, against $1,696 in Door County. Without one it drops to $662.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sturgeon Bay+61%
Door County+60%
Wisconsin+48%
United States+53%
Typical rent
Sturgeon Bay+39%
Door County+37%
Wisconsin+27%
United States+33%
Typical household income
Sturgeon BayNo clear change
Door County+22%
Wisconsin+26%
United States+29%
Change since 2015–2019: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Door County
Wisconsin
United States
Typical home value
+61%
+60%
+48%
+53%
Typical rent
+39%
+37%
+27%
+33%
Typical household income
No clear change
+22%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Sturgeon Bay rose at about the same pace as in Door County: 61% against 60%.
Rents in Sturgeon Bay rose at about the same pace as in Door County: 39% since 2015–2019, against 37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sturgeon Bay and its comparisons
Measure
Sturgeon Bay
Door County
Wisconsin
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.5%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.7%
3.4%
People per household
1.87
2.01
2.33
2.53
Drive alone
77%
75%
74%
69%
Carpool
Unreliable estimate
6%
7%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
5%
4%
3%
3%
Work from home
12%
13%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 1.87 on average, against 2.01 in Door County.
In Sturgeon Bay, 77% of workers drive alone to work; in Door County, 75%.
Do the math
What would you pay each month for a home in Sturgeon Bay?
A typical home costs more than the typical income allows
We start with a typical home in Sturgeon Bay, worth $236,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Sturgeon Bay, which is $59,926 a year. For that payment to be 28% of income, a household would need to earn about $90,239 a year.
The calculator's FHA and conventional loan limits are those of all of Door 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 Sturgeon Bay. 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 $8,271 (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
$2,106
at 7.18% · 30 years
Loan amount
$232,020
Total interest
$333,822
Paid off in
November 2056
Includes $3,991 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,398 a month
Tight
$1,398 to $1,798 a month
Hard
more than $1,798 a month
Your payment · 42%
Compared with the typical household income in Sturgeon Bay ($59,926 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,572
Property tax
$331
Home insurance
$99
FHA mortgage insurance (MIP)
$105
You need at least $8,271 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 $2,106; principal and interest $1,572.
The city and its county
Sturgeon Bay and Door County
Sturgeon Bay is in Door 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).
Sturgeon Bay
Map of Door County, Wisconsin, with Sturgeon Bay marked. Around it, the neighboring counties.
Sturgeon Bay
Door County
Other cities with a page
Sturgeon Bay's own numbers
Typical home value
$236,300
Typical monthly rent
$1,097
Typical yearly household income
$59,926
Households that own their home
60%
Effective property tax rate
1.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Door County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,268
Price change over 5 years (FHFA)
+80%
Homes in a high flood-risk zone
4.5%
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 Door County.
A typical home in Sturgeon Bay is worth $236,300: 31% below the county and 11% below Wisconsin. With the typical household income in Sturgeon Bay ($59,926 a year), a typical home costs 3.9 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.
Sturgeon Bay3.9 years
Door4.6 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Door County
According to FHFA’s house price index, home prices in Door County rose 111% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Door County.
Yearly change in FHFA’s price index in Door County, 2016 to 2025
2016: +1.7% +1.7% 2016
2017: +2.6% +2.6% 2017
2018: +4.5% +4.5% 2018
2019: +5.6% +5.6% 2019
2020: +1.9% +1.9% 2020
2021: +11.3% +11.3% 2021
2022: +22.8% +22.8% 2022
2023: +18.6% +18.6% 2023
2024: +8.3% +8.3% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Door County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+2.6%
+5.4%
+2.9%
5 years (2020–2025)
+80%
+57%
+47%
10 years (2015–2025)
+111%
+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
Sturgeon Bay next to Door 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
Sturgeon Bay$236,300
Door$342,600
Wisconsin$266,500
United States$332,700
Typical monthly rent
Sturgeon Bay$1,097
Door$1,086
Wisconsin$1,087
United States$1,413
Typical yearly household income
Sturgeon Bay$59,926
Door$74,795
Wisconsin$77,485
United States$80,734
See the full table
Sturgeon Bay next to Door County and Wisconsin
Measure
Sturgeon Bay
Door County
Wisconsin
U.S.
Typical home value
$236,300 ▼31% below the county
$342,600
$266,500
$332,700
Typical monthly rent
$1,097
$1,086
$1,087
$1,413
Typical yearly household income
$59,926 ▼20% below the county
$74,795
$77,485
$80,734
Households that own their home
60% ▼18 points below the county
78%
68%
65%
Typical yearly property tax
$3,961 ▲14% above the county
$3,486
$3,792
$3,119
Effective property tax rate
1.68% ▲0.66 points above the county
1.02%
1.42%
0.94%
Renters with high rent for their income
45% ▲1 points above the county
44%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Door 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 Sturgeon Bay
For a typical $236,300 home in Sturgeon Bay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sturgeon Bay's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,106a month
Least cash to close
Down payment
$8,271
Cash to close
$15,360
Rate
7.18%
Mortgage insurance
FHA MIP · $105
Conventional, 5% down$2,062a month
Down payment
$11,815
Cash to close
$18,904
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,710a month
Down payment
$47,260
Cash to close
$54,349
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,928a month
Down payment
$35,445
Cash to close
$42,534
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sturgeon Bay
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,106
$8,271
$232,020
7.18%
FHA MIP · $105
$15,360
580
Conventional, 5% down
$2,062
$11,815
$224,485
7.18%
PMI · $112
$18,904
620*
Conventional, 20% down, no PMI
$1,710
$47,260
$189,040
7.18%
None
$54,349
620*
ITIN, 15% down (example)
$1,928
$35,445
$200,855
8.18%
None
$42,534
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 Sturgeon Bay is $1,097 a month: about the same as the county. In Sturgeon Bay, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Door County, by unit size. To pay the 2-bedroom one ($1,268 a month) without spending more than 30% of your income, you would need to earn $24.38 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Door County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$915
$17.60
$36,600
1 bedroom
$969
$18.63
$38,760
2 bedrooms
$1,268
$24.38
$50,720
3 bedrooms
$1,511
$29.06
$60,440
4 bedrooms
$1,666
$32.04
$66,640
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 Sturgeon Bay
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sturgeon Bay is in ZIP code 54235.
For 2 bedrooms it is $1,260: $8 less than the fair market rent for Door County ($1,268).
Fair market rent by ZIP code and size in Sturgeon Bay, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
54235
$910
$960
$1,260
$1,500
$1,660
ZIP code2 bd3 bd
54235 $1,260$1,500
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sturgeon Bay 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 6 buildings with rents for lower incomes in Sturgeon Bay. These are the largest.
Bay Hill Apts633 N 12th Ave, Sturgeon Bay 5423568 low-income homes · 1 bd: 11 · 2 bd: 49 · 3 bd: 8 · In service since 2003 · For older adults, families
Orchard Valley1252 N 12th Pl, Sturgeon Bay 5423550 low-income homes · For older adults(920) 743-7762
Sunset View709 N 7th Ave, Sturgeon Bay 5423530 low-income homes · For families(920) 432-7176
Bayview Apts913 S Elgin Ave, Sturgeon Bay 5423524 low-income homes · 1 bd: 4 · 2 bd: 12 · 3 bd: 8 · In service since 1995
Williamstown Bay-Sturgeon Bay133 N 15th Dr, Sturgeon Bay 5423516 low-income homes · 1 bd: 13 · 2 bd: 3 · In service since 1993
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 Door County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Sturgeon Bay or Door County. The ones below are statewide in Wisconsin: they work in Sturgeon Bay 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).
The HUD-approved agencies closest to the center of Sturgeon Bay, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NG
Neighborworks Green Bay
437 S Jackson St, Green Bay · 38 miles away · Spanish
No legal help resource on our list is for Sturgeon Bay or Door 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 Sturgeon Bay and all of Door 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 Sturgeon Bay?
The typical home value in Sturgeon Bay is $236,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Door County it is $342,600.
How much does it cost to rent in Sturgeon Bay?
Typical rent in Sturgeon Bay is $1,097 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Door County is $1,268.
What is the FHA loan limit in Sturgeon Bay?
Sturgeon Bay uses the FHA limit for all of Door 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 Sturgeon Bay?
The typical homeowner in Sturgeon Bay pays $3,961 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Door County, the rate is 1.02%.
Where can I find free help to buy or rent in Sturgeon Bay?
We found no HUD-approved counseling agencies with an office in Door County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
