In Tomah, a typical home is worth $174,300 and typical rent is $903 a month. Compared with all of Monroe County, typical household income is 26% lower, the typical home value is 17% 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 $198,836 to $257,423.
Typical rent
$1,222a month
▲ 14.9% more than 12 months ago
Typical rent from Zillow, September 2025 to September 2026: from $1,064 to $1,222.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Tomah is in Monroe 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 Monroe County. See the county
What this place has that others do not, from public data, most unusual first.
1
Tomah has the 3rd lowest typical household income of the 156 cities in Wisconsin with more than 5,000 people ($51,274).
2
55% of households in Tomah own their home, against 73% in Monroe County.
3
The typical home in Tomah is worth $174,300,17% less than in Monroe County as a whole ($210,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Tomah
What homes there are in Tomah, 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
Tomah
Monroe County
Wisconsin
United States
Kind of home: Tomah and its comparisons
Measure
Tomah
Monroe County
Wisconsin
United States
Detached house
52%
73%
66%
61%
Attached house
Unreliable estimate
3%
4%
6%
Building of 2 to 4
13%
7%
9%
8%
Apartments (5 or more)
Unreliable estimate
8%
17%
19%
Mobile home
8%
8%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Tomah (52%), but less so than in Monroe County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Tomah
Monroe County
Wisconsin
United States
Year built: Tomah and its comparisons
Measure
Tomah
Monroe County
Wisconsin
United States
Before 1960
30%
31%
33%
26%
1960–1979
24%
19%
24%
24%
1980–1999
23%
27%
22%
25%
2000–2009
13%
14%
13%
14%
2010 or later
10%
9%
9%
11%
In Tomah, half of the homes were built before 1977; in Monroe County, before 1980.
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 $100K17%
$100K–$200K48%
$200K–$300K26%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Tomah and its comparisons
Measure
Tomah
Under $100K
17%
$100K–$200K
48%
$200K–$300K
26%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Tomah sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99944%
$1,000–$1,49934%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Tomah and its comparisons
Measure
Tomah
Under $500
Unreliable estimate
$500–$999
44%
$1,000–$1,499
34%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,373 a month
Monroe County: $1,487 a month
Without a mortgage
$467 a month
Monroe County: $539 a month
Owners with a mortgage
52%
Monroe County: 55%
In Tomah, 52% of owners have a mortgage, and their typical cost is $1,373 a month, against $1,487 in Monroe County. Without one it drops to $467.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Tomah+45%
Monroe County+36%
Wisconsin+48%
United States+53%
Typical rent
TomahNo clear change
Monroe County+12%
Wisconsin+27%
United States+33%
Typical household income
TomahNo clear change
Monroe County+17%
Wisconsin+26%
United States+29%
Change since 2015–2019: Tomah and its comparisons
Measure
Tomah
Monroe County
Wisconsin
United States
Typical home value
+45%
+36%
+48%
+53%
Typical rent
No clear change
+12%
+27%
+33%
Typical household income
No clear change
+17%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Tomah rose 45%; in Monroe County, it rose 36%.
Since 2015–2019, the typical rent in Tomah did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Tomah and its comparisons
Measure
Tomah
Monroe 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
2.8%
1.7%
3.4%
People per household
2.07
2.48
2.33
2.53
Drive alone
87%
77%
74%
69%
Carpool
5%
8%
7%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
4%
9%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Tomah has 2.07 people, fewer than in Monroe County (2.48).
In Tomah, 87% of workers drive alone to work; in Monroe County, 77%.
Do the math
What would you pay each month for a home in Tomah?
A typical home is tight for the typical income
We start with a typical home in Tomah, worth $174,300, 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 Tomah, which is $51,274 a year. For that payment to be 28% of income, a household would need to earn about $65,379 a year.
The calculator's FHA and conventional loan limits are those of all of Monroe 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 Tomah. 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 $6,101 (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
$1,526
at 7.18% · 30 years
Loan amount
$171,142
Total interest
$246,234
Paid off in
November 2056
Includes $2,943 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,196 a month
Tight
$1,196 to $1,538 a month
Your payment · 36%
Hard
more than $1,538 a month
Compared with the typical household income in Tomah ($51,274 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,159
Property tax
$216
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,101 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 $1,526; principal and interest $1,159.
The city and its county
Tomah and Monroe County
Tomah is in Monroe 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).
Tomah
Map of Monroe County, Wisconsin, with Tomah marked. Around it, the neighboring counties.
Tomah
Monroe County
Other cities with a page
Tomah's own numbers
Typical home value
$174,300
Typical monthly rent
$903
Typical yearly household income
$51,274
Households that own their home
55%
Effective property tax rate
1.49%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Monroe County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,039
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
3.5%
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 Monroe County.
A typical home in Tomah is worth $174,300: 17% below the county and 35% below Wisconsin. With the typical household income in Tomah ($51,274 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.
Tomah3.4 years
Monroe3.0 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Monroe County
According to FHFA’s house price index, home prices in Monroe County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Monroe County.
Yearly change in FHFA’s price index in Monroe County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +5.9% +5.9% 2017
2018: +3.5% +3.5% 2018
2019: +4.6% +4.6% 2019
2020: +2.7% +2.7% 2020
2021: +8.4% +8.4% 2021
2022: +14.5% +14.5% 2022
2023: +9.4% +9.4% 2023
2024: +8.1% +8.1% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Monroe County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.4%
+5.4%
+2.9%
5 years (2020–2025)
+55%
+57%
+47%
10 years (2015–2025)
+90%
+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
Tomah next to Monroe 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
Tomah$174,300
Monroe$210,000
Wisconsin$266,500
United States$332,700
Typical monthly rent
Tomah$903
Monroe$914
Wisconsin$1,087
United States$1,413
Typical yearly household income
Tomah$51,274
Monroe$69,467
Wisconsin$77,485
United States$80,734
See the full table
Tomah next to Monroe County and Wisconsin
Measure
Tomah
Monroe County
Wisconsin
U.S.
Typical home value
$174,300 ▼17% below the county
$210,000
$266,500
$332,700
Typical monthly rent
$903
$914
$1,087
$1,413
Typical yearly household income
$51,274 ▼26% below the county
$69,467
$77,485
$80,734
Households that own their home
55% ▼18 points below the county
73%
68%
65%
Typical yearly property tax
$2,600 ▼8% below the county
$2,826
$3,792
$3,119
Effective property tax rate
1.49% ▲0.14 points above the county
1.35%
1.42%
0.94%
Renters with high rent for their income
43% ▲4 points above the county
40%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Monroe 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 Tomah
For a typical $174,300 home in Tomah, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tomah's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,526a month
Least cash to close
Down payment
$6,101
Cash to close
$11,330
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,494a month
Down payment
$8,715
Cash to close
$13,944
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,234a month
Down payment
$34,860
Cash to close
$40,089
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,395a month
Down payment
$26,145
Cash to close
$31,374
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Tomah
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,526
$6,101
$171,143
7.18%
FHA MIP · $77
$11,330
580
Conventional, 5% down
$1,494
$8,715
$165,585
7.18%
PMI · $83
$13,944
620*
Conventional, 20% down, no PMI
$1,234
$34,860
$139,440
7.18%
None
$40,089
620*
ITIN, 15% down (example)
$1,395
$26,145
$148,155
8.18%
None
$31,374
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 Tomah is $903 a month: about the same as the county. In Tomah, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Monroe County, by unit size. To pay the 2-bedroom one ($1,039 a month) without spending more than 30% of your income, you would need to earn $19.98 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 Monroe County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$724
$13.92
$28,960
1 bedroom
$833
$16.02
$33,320
2 bedrooms
$1,039
$19.98
$41,560
3 bedrooms
$1,383
$26.60
$55,320
4 bedrooms
$1,469
$28.25
$58,760
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 Tomah
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tomah is in ZIP code 54660.
For 2 bedrooms it is $1,050: $11 more than the fair market rent for Monroe County ($1,039).
Fair market rent by ZIP code and size in Tomah, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
54660
$730
$840
$1,050
$1,400
$1,480
ZIP code2 bd3 bd
54660 $1,050$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tomah 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 4 buildings with rents for lower incomes in Tomah. These are the largest.
Courtyard at Willow Woods1500 Lincoln Ave, Tomah 5466072 homes, 71 low-income · For older adults(888) 421-0880
Freedom Village Apts308 Murdock St, Tomah 5466032 low-income homes · 1 bd: 3 · 2 bd: 19 · 3 bd: 10 · In service since 1998
Tomah812 Williams St, Tomah 5466028 low-income homes · Run by Tomah Public Housing Authority · Average payment: $541 a month · Average wait: 1 month(608) 374-7455
Kilbourne Apartments515 N Kilbourn Ave, Tomah 5466016 low-income homes · For families(608) 269-5017
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 Monroe 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 Tomah or Monroe County. The ones below are statewide in Wisconsin: they work in Tomah 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 Tomah or Monroe 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 Tomah and all of Monroe 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 Tomah?
The typical home value in Tomah is $174,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Monroe County it is $210,000.
How much does it cost to rent in Tomah?
Typical rent in Tomah is $903 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Monroe County is $1,039.
What is the FHA loan limit in Tomah?
Tomah uses the FHA limit for all of Monroe 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 Tomah?
The typical homeowner in Tomah pays $2,600 a year, according to the U.S. Census Bureau. That is 1.49% of the home’s value; in Monroe County, the rate is 1.35%.
Where can I find free help to buy or rent in Tomah?
We found no HUD-approved counseling agencies with an office in Monroe County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
