Eau Claire, WI home prices
Typical home $321,857 · +3.1% in a year · income needed $96,600
The Eau Claire, WI metro area ranks 275 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +26.4% over five years. With 20% down at 7.11%, the typical home costs about $2,254 a month including 1.35% property tax (Eau Claire County rate).
Mortgage on the typical Eau Claire home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $64,371 | $257,485 | $1,732 | $0 | $522 | $2,254 | $96,600 |
| 10% down | $32,186 | $289,671 | $1,949 | $121 | $522 | $2,591 | $111,100 |
| 5% down | $16,093 | $305,764 | $2,057 | $127 | $522 | $2,706 | $116,000 |
| 3.5% down (FHA) | $11,265 | $316,027 | $2,126 | $142 | $522 | $2,790 | $119,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.35% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Eau Claire area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Eau Claire County, WI | $322,813 | +2.9% | 1.35% |
| Chippewa County, WI | $320,058 | +3.5% | 1.08% |
What can you afford in Wisconsin on your salary? · Wisconsin home prices · Salaries in Wisconsin
Frequently asked questions
How much is a house in Eau Claire?
The typical home in the Eau Claire, WI metro area is worth $321,857 (Zillow, September 2026).
What salary do you need to buy a house in Eau Claire?
About $96,600 a year for the typical home with 20% down at 7.11%.