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City · 32,030 residents · Washington County, Wisconsin

West Bend , Wisconsin

In West Bend, a typical home is worth $263,100 and typical rent is $1,076 a month. Compared with all of Washington County, the typical home value is 24% lower, typical household income is 23% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $263,100

    24% below the county

    About the same as Wisconsin

    • West Bend
    • Washington
    • Wisconsin

  • Typical rent

    $1,076a month

    7% below the county

    About the same as Wisconsin

    • West Bend
    • Washington
    • Wisconsin

  • Typical household income

    $74,076a year

    23% below the county

    4% below Wisconsin

    • West Bend
    • Washington
    • Wisconsin

  • Households that own their home

    66%

    12 points below the county

    2 points below Wisconsin

    • West Bend
    • Washington
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$355,619
6% more than 12 months ago
Typical rent
$1,177 a month

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

West Bend is in Washington 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 Washington County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets West Bend apart

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

  1. The typical home in West Bend is worth $263,100, 24% less than in Washington County as a whole ($344,800).

  2. The typical household income in West Bend is $74,076, 23% less than in Washington County as a whole ($96,359).

  3. 66% of households in West Bend own their home, against 78% in Washington County.

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

The homes here

Housing in West Bend

What homes there are in West Bend, 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

The detached house is still the most common home in West Bend, but it weighs less than in Washington County: 52% against 69%.

Year built

Homes in West Bend are older: the typical year built is 1977; in Washington County, 1986.

Homes in West Bend are smaller: 57% have 3 bedrooms or more; in Washington County, 70%.

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

By price, most homes in West Bend sit under the FHA limit for Washington County ($541,287): about 96%.

Monthly rent with utilities

With a mortgage

$1,668 a month

Washington County: $1,932 a month

Without a mortgage

$628 a month

Washington County: $675 a month

Owners with a mortgage

64%

Washington County: 65%

In West Bend, 64% of owners have a mortgage, and their typical cost is $1,668 a month, against $1,932 in Washington County. Without one it drops to $628.

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 West Bend rose 51%; in Washington County, it rose 46%.

Rents in West Bend rose at about the same pace as in Washington County: 25% since 2015–2019, against 27%.

Housing prices ran ahead of income in West Bend: typical income rose 22%, against +51% for home values and +25% for rent.

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

MeasureWest BendWashington CountyWisconsinUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room 1.4%0.8%1.7%3.4%
People per household 2.242.402.332.53
Drive alone 80%78%74%69%
Carpool 8%6%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%1%3%3%
Work from home 9%14%13%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes10 to 19 minutes20 to 29 minutes

Much as in Washington County, 1.4% of households in West Bend have more than one person per room.

Households in West Bend are smaller: 2.24 people on average; in Washington County, 2.40.

To get to work, 80% of workers in West Bend drive alone; in Washington County, 78%.

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 West Bend?

A typical home costs more than the typical income allows

We start with a typical home in West Bend, worth $263,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in West Bend, which is $74,076 a year. For that payment to be 28% of income, a household would need to earn about $97,091 a year.

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

Your numbers

Local data
$

Starts at the typical home value in West Bend. 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 $9,209 (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

$2,265

at 7.18% · 30 years

Loan amount
$258,334
Total interest
$371,682
Paid off in
November 2056

Includes $4,443 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,728 a month

  • Tight

    $1,728 to $2,222 a month

  • Hard

    more than $2,222 a month

    Your payment · 37%

Compared with the typical household income in West Bend ($74,076 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,265
Principal & interest$1,750
Property tax$289
Home insurance$110
FHA mortgage insurance (MIP)$116

You need at least $9,209 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

West Bend and Washington County

West Bend is in Washington 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).

West Bend's own numbers

Typical home value
$263,100
Typical monthly rent
$1,076
Typical yearly household income
$74,076
Households that own their home
66%
Effective property tax rate
1.32%

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

Numbers for all of Washington 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)
+54%
Homes in a high flood-risk zone
1.2%

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 Washington County.

Everything about Washington County

Buying

Buying a home in West Bend

A typical home in West Bend is worth $263,100: 24% below the county and about the same as Wisconsin. With the typical household income in West Bend ($74,076 a year), a typical home costs 3.6 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.

  • West Bend 3.6 years
  • Washington 3.6 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Washington County

According to FHFA’s house price index, home prices in Washington County rose 88% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +5.9% +5.4% +2.9%
5 years (2020–2025) +54% +57% +47%
10 years (2015–2025) +88% +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

West Bend next to Washington 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
  • West Bend $263,100
  • Washington $344,800
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • West Bend $1,076
  • Washington $1,153
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • West Bend $74,076
  • Washington $96,359
  • Wisconsin $77,485
  • United States $80,734
See the full table
West Bend next to Washington County and Wisconsin
Measure West Bend Washington County Wisconsin U.S.
Typical home value $263,100 $344,800 $266,500 $332,700
Typical monthly rent $1,076 $1,153 $1,087 $1,413
Typical yearly household income $74,076 $96,359 $77,485 $80,734
Households that own their home 66% 78% 68% 65%
Typical yearly property tax $3,481 $3,802 $3,792 $3,119
Effective property tax rate 1.32% 1.1% 1.42% 0.94%
Renters with high rent for their income 51% 46% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 West Bend

For a typical $263,100 home in West Bend, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Bend's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,265a month

    Least cash to close
    Down payment
    $9,209
    Cash to close
    $17,102
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $116

  • Conventional, 5% down $2,217a month

    Down payment
    $13,155
    Cash to close
    $21,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $1,825a month

    Down payment
    $52,620
    Cash to close
    $60,513
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,068a month

    Down payment
    $39,465
    Cash to close
    $47,358
    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 West Bend and for Washington County.

Property tax

Effective rate in West Bend

1.32%of the home’s value each year

$3,481 a year for the typical owner in West Bend.

  • West Bend 1.32%
  • Washington 1.1%
  • 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 Washington County

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

Homes in the high-risk zone
1.2%
462
Of those, with NFIP insurance
37%
County Wisconsin U.S.
Homes in the high-risk zone 1.2% 1.4% 3.5%
Of those, with NFIP insurance 37% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in West Bend

Typical rent in West Bend is $1,076 a month: 7% below the county. In West Bend, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Washington 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.

HUD fair market rent for all of Washington 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 $985 $18.94 $39,400
1 bedroom $1,060 $20.38 $42,400
2 bedrooms $1,263 $24.29 $50,520
3 bedrooms $1,553 $29.87 $62,120
4 bedrooms $1,664 $32.00 $66,560

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 West Bend

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

For 2 bedrooms it runs from $1,210 in 53095 to $1,270 in 53090.

1 of the 2 is above the fair market rent for Washington County ($1,263).

  • 53090 $1,270$1,560
  • 53095 $1,210$1,490

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

HUD lists 9 buildings with rents for lower incomes in West Bend. These are the largest.

  • Meadow Brook Manor II 475 Meadowbrook Dr, West Bend 53090 74 low-income homes · For older adults (262) 338-0771
  • Arbor Trace Apartments 621 E Decorah Rd, West Bend 53095 74 homes, 71 low-income · 2 bd: 28 · 3 bd: 30 · 4 bd: 16 · In service since 2011 · For families (262) 338-6508
  • Meadowbrook Manor I 475 Meadowbrook Dr, West Bend 53090 71 low-income homes · For older adults
  • City View Apts 2021 Barton Ave, West Bend 53090 60 low-income homes · 1 bd: 1 · 3 bd: 59 · In service since 1994
  • River Bend Senior Village 151 Wisconsin St, West Bend 53095 52 homes, 51 low-income · 1 bd: 28 · 2 bd: 24 · In service since 1999

See all 20 buildings in Washington County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in West Bend

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 Washington County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in West Bend

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

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

  • CCCS of Sheboygan

    139 N. Main St. Suite 101, West Bend · 0 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (262) 306-9241

  • Operation Hope- Milwaukee Wi

    7500 W Good Hope Rd, Milwaukee · 21 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 6 more
    (414) 426-2239

  • Housing Resources, Incorporated

    7830 W Burleigh St, Milwaukee · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 3 more
    (414) 461-6330

Every agency in Washington County All counseling agencies in Wisconsin

Help in Spanish near West Bend

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 West Bend

HUD’s record names them for West Bend or Washington 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 Washington County

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

Everything about Washington County Housing in Wisconsin

Nearby cities

The cities closest to West Bend, with the typical home value.

Neighboring counties

If Washington 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 West Bend.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about West Bend

Short answers with the numbers for West Bend and all of Washington 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 West Bend?

The typical home value in West Bend is $263,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $344,800.

How much does it cost to rent in West Bend?

Typical rent in West Bend is $1,076 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,263.

What is the FHA loan limit in West Bend?

West Bend uses the FHA limit for all of Washington 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 West Bend?

The typical homeowner in West Bend pays $3,481 a year, according to the U.S. Census Bureau. That is 1.32% of the home’s value; in Washington County, the rate is 1.1%.

Where can I find free help to buy or rent in West Bend?

There is 1 HUD-approved counseling agency with an office in Washington County. 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).