La Crosse, WI home prices
Typical home $330,730 · +5.0% in a year · income needed $101,500
The La Crosse, WI metro area ranks 259 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.0% in a year and +28.7% over five years. With 20% down at 7.11%, the typical home costs about $2,369 a month including 1.54% property tax (La Crosse County rate).
Mortgage on the typical La Crosse home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,146 | $264,584 | $1,780 | $0 | $589 | $2,369 | $101,500 |
| 10% down | $33,073 | $297,657 | $2,002 | $124 | $589 | $2,715 | $116,400 |
| 5% down | $16,537 | $314,194 | $2,114 | $131 | $589 | $2,833 | $121,400 |
| 3.5% down (FHA) | $11,576 | $324,740 | $2,185 | $146 | $589 | $2,919 | $125,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.54% 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 La Crosse area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| La Crosse County, WI | $331,836 | +5.2% | 1.54% |
| Houston County, MN | $322,279 | +3.5% | 1.15% |
What can you afford in Wisconsin on your salary? · Wisconsin home prices · Salaries in Wisconsin
Frequently asked questions
How much is a house in La Crosse?
The typical home in the La Crosse, WI metro area is worth $330,730 (Zillow, September 2026).
What salary do you need to buy a house in La Crosse?
About $101,500 a year for the typical home with 20% down at 7.11%.