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City · 6,309 residents · Kenosha County, Wisconsin

Twin Lakes , Wisconsin

In Twin Lakes, a typical home is worth $270,700 and typical rent is $870 a month. Compared with all of Kenosha County, typical rent is 29% lower, typical household income is 6% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $270,700

    About the same as the county

    About the same as Wisconsin

    • Twin Lakes
    • Kenosha
    • Wisconsin

  • Typical rent

    $870a month

    29% below the county

    20% below Wisconsin

    • Twin Lakes
    • Kenosha
    • Wisconsin

  • Typical household income

    $86,222a year

    6% above the county

    11% above Wisconsin

    • Twin Lakes
    • Kenosha
    • Wisconsin

  • Households that own their home

    78%

    11 points above the county

    10 points above Wisconsin

    • Twin Lakes
    • Kenosha
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$407,870
9.3% more than 12 months ago

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

Twin Lakes is in Kenosha 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 Kenosha County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Twin Lakes apart

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

  1. The typical rent in Twin Lakes is $870 a month, 29% less than in Kenosha County as a whole ($1,219).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Twin Lakes rose 9.3%; in Wisconsin, it rose 5.1%.

  3. 78% of households in Twin Lakes own their home, against 67% in Kenosha County.

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

The homes here

Housing in Twin Lakes

What homes there are in Twin Lakes, 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

In Twin Lakes, 8 in 10 homes are single-family detached houses; in Kenosha County, 7.

Year built

The typical year built in Twin Lakes is 1976, about the same as in Kenosha County (1975).

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

$1,617 a month

Kenosha County: $1,695 a month

Without a mortgage

$728 a month

Kenosha County: $725 a month

Owners with a mortgage

71%

Kenosha County: 65%

In Twin Lakes, 71% of owners have a mortgage; their typical cost is $1,617 a month, about the same as in Kenosha County.

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

From 2015–2019 to 2020–2024, the typical home value in Twin Lakes rose 33%; in Kenosha County, it rose 50%.

The typical rent in Twin Lakes stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureTwin LakesKenosha CountyWisconsinUnited States
Rental vacancy Unreliable estimate3.9%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimate2.3%1.7%3.4%
People per household 2.052.392.332.53
Drive alone 81%79%74%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 11%11%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

Households in Twin Lakes are smaller: 2.05 people on average; in Kenosha County, 2.39.

To get to work, 81% of workers in Twin Lakes drive alone; in Kenosha 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 Twin Lakes?

A typical home is tight for the typical income

We start with a typical home in Twin Lakes, worth $270,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Twin Lakes, which is $86,222 a year. For that payment to be 28% of income, a household would need to earn about $103,086 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Twin Lakes. 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 $9,475 (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

$2,405

at 7.18% · 30 years

Loan amount
$265,796
Total interest
$382,419
Paid off in
November 2056

Includes $4,571 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,012 a month

  • Tight

    $2,012 to $2,587 a month

    Your payment · 33%

  • Hard

    more than $2,587 a month

Compared with the typical household income in Twin Lakes ($86,222 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,405
Principal & interest$1,801
Property tax$372
Home insurance$113
FHA mortgage insurance (MIP)$120

You need at least $9,475 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

Twin Lakes and Kenosha County

Twin Lakes is in Kenosha 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).

Twin Lakes's own numbers

Typical home value
$270,700
Typical monthly rent
$870
Typical yearly household income
$86,222
Households that own their home
78%
Effective property tax rate
1.65%

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

Numbers for all of Kenosha County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
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 Kenosha County.

Everything about Kenosha County

Buying

Buying a home in Twin Lakes

A typical home in Twin Lakes is worth $270,700: about the same as the county and about the same as Wisconsin. With the typical household income in Twin Lakes ($86,222 a year), a typical home costs 3.1 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.

  • Twin Lakes 3.1 years
  • Kenosha 3.3 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kenosha County

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

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

Period County Wisconsin U.S.
Last year (2025) +5.4% +5.4% +2.9%
5 years (2020–2025) +53% +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

Twin Lakes next to Kenosha 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
  • Twin Lakes $270,700
  • Kenosha $265,500
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Twin Lakes $870
  • Kenosha $1,219
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Twin Lakes $86,222
  • Kenosha $81,239
  • Wisconsin $77,485
  • United States $80,734
See the full table
Twin Lakes next to Kenosha County and Wisconsin
Measure Twin Lakes Kenosha County Wisconsin U.S.
Typical home value $270,700 $265,500 $266,500 $332,700
Typical monthly rent $870 $1,219 $1,087 $1,413
Typical yearly household income $86,222 $81,239 $77,485 $80,734
Households that own their home 78% 67% 68% 65%
Typical yearly property tax $4,459 $4,179 $3,792 $3,119
Effective property tax rate 1.65% 1.57% 1.42% 0.94%

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

For a typical $270,700 home in Twin Lakes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Twin Lakes's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,405a month

    Least cash to close
    Down payment
    $9,475
    Cash to close
    $17,596
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $120

  • Conventional, 5% down $2,356a month

    Down payment
    $13,535
    Cash to close
    $21,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $129

  • Conventional, 20% down, no PMI $1,952a month

    Down payment
    $54,140
    Cash to close
    $62,261
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,202a month

    Down payment
    $40,605
    Cash to close
    $48,726
    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 Twin Lakes and for Kenosha County.

Property tax

Effective rate in Twin Lakes

1.65%of the home’s value each year

$4,459 a year for the typical owner in Twin Lakes.

  • Twin Lakes 1.65%
  • Kenosha 1.57%
  • 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 Kenosha County

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

Homes in the high-risk zone
1%
612
Of those, with NFIP insurance
15%
County Wisconsin U.S.
Homes in the high-risk zone 1% 1.4% 3.5%
Of those, with NFIP insurance 15% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Twin Lakes

Typical rent in Twin Lakes is $870 a month: 29% below the county.

HUD publishes a fair market rent for all of Kenosha County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 an hour working full time.

HUD fair market rent for all of Kenosha 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 $1,136 $21.85 $45,440
1 bedroom $1,144 $22.00 $45,760
2 bedrooms $1,441 $27.71 $57,640
3 bedrooms $1,956 $37.62 $78,240
4 bedrooms $2,228 $42.85 $89,120

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 Twin Lakes

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Twin Lakes is in ZIP code 53181.

For 2 bedrooms it is $1,270: $171 less than the fair market rent for Kenosha County ($1,441).

  • 53181 $1,270$1,710

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

HUD lists 3 buildings with rents for lower incomes in Twin Lakes. These are the largest.

  • Twin Lakes Senior Housing LP 410 Lincoln Dr, Twin Lakes 53181 32 low-income homes · 1 bd: 27 · 2 bd: 5 · In service since 1997
  • Meadowview Village 450 Lincoln Dr, Twin Lakes 53181 44 homes, 24 low-income · For older adults (262) 877-2212
  • Residences on Main 307 E Main St, Twin Lakes 53181 24 homes, 12 low-income · 1 bd: 12 · 2 bd: 12 · In service since 2013

See all 36 buildings in Kenosha County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Twin Lakes

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 is 1 HUD-approved agency with an office in Kenosha County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Twin Lakes

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

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

  • City of Kenosha Housing Authority

    625-52nd ST., Room 98, Kenosha · 22 miles away · Spanish

    Also serves in other languages.

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 2 more
    (262) 653-4120

  • Housing Resources, Inc-Racine

    500 Wisconsin Ave. Suite 205, Racine · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (262) 636-8271

  • Housing Resources Inc - Waukesha

    217 Wisconsin Avenue Suite 411, Waukesha · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (262) 522-1230

Every agency in Kenosha County All counseling agencies in Wisconsin

Help in Spanish near Twin Lakes

3 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 Twin Lakes

In HUD’s record, no housing authority with an office in Kenosha County is named for Twin Lakes or Kenosha County.

One other authority has an office in Kenosha County: see the list Source: HUD

Cities

Other cities in Kenosha County

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

Everything about Kenosha County Housing in Wisconsin

Nearby cities

The cities closest to Twin Lakes, with the typical home value.

Neighboring counties

If Kenosha 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 Twin Lakes.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Twin Lakes

Short answers with the numbers for Twin Lakes and all of Kenosha 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 Twin Lakes?

The typical home value in Twin Lakes is $270,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kenosha County it is $265,500.

How much does it cost to rent in Twin Lakes?

Typical rent in Twin Lakes is $870 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kenosha County is $1,441.

What is the FHA loan limit in Twin Lakes?

Twin Lakes uses the FHA limit for all of Kenosha 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 Twin Lakes?

The typical homeowner in Twin Lakes pays $4,459 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Kenosha County, the rate is 1.57%.

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

There is 1 HUD-approved counseling agency with an office in Kenosha County. 1 says it serves in Spanish. 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).