Oshkosh, WI home prices
Typical home $304,490 · +4.6% in a year · income needed $94,500
The Oshkosh, WI metro area ranks 313 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.6% in a year and +34.3% over five years. With 20% down at 7.11%, the typical home costs about $2,204 a month including 1.63% property tax (Winnebago County rate).
Mortgage on the typical Oshkosh home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,898 | $243,592 | $1,639 | $0 | $566 | $2,204 | $94,500 |
| 10% down | $30,449 | $274,041 | $1,843 | $114 | $566 | $2,523 | $108,100 |
| 5% down | $15,225 | $289,266 | $1,946 | $121 | $566 | $2,632 | $112,800 |
| 3.5% down (FHA) | $10,657 | $298,975 | $2,011 | $135 | $566 | $2,712 | $116,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.63% 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 Oshkosh area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Winnebago County, WI | $304,461 | +4.6% | 1.63% |
What can you afford in Wisconsin on your salary? · Wisconsin home prices · Salaries in Wisconsin
Frequently asked questions
How much is a house in Oshkosh?
The typical home in the Oshkosh, WI metro area is worth $304,490 (Zillow, September 2026).
What salary do you need to buy a house in Oshkosh?
About $94,500 a year for the typical home with 20% down at 7.11%.