MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Black River Falls, WI Housing Affordability Index

Black River Falls, Wisconsin has an MBR Housing Affordability Index score of 127.5 (Highly Affordable) as of October 30, 2026, ranking 307th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $171,800 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $942, or 17% of the city’s $66,632 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Black River Falls is updated every night from live Wisconsin mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Black River Falls MBR-HAI 127.5 Highly Affordable
Rank in Wisconsin 307 of 695 1 = most affordable
Wisconsin 104.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.30% Wisconsin lenders
Median home value $171,800 U.S. Census Bureau

Black River Falls is 23.1 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Black River Falls Mortgage Rates

What It Takes to Buy in Black River Falls

$942/mo
Principal & Interest
Median home, 20% down, 7.30%
$40,400
Income Needed
To keep the payment at 28% of income
$66,632
Median Household Income
Wisconsin: $77,485
2.6x
Price-to-Income Ratio
Wisconsin: 3.4x
$902/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,485/yr
Median Property Tax
1.45% of median value
29.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
35.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Black River Falls, Wisconsin. The rate is the Wisconsin average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Black River Falls Ranks in Wisconsin

Powered byMonitorBankRates

Cite the Black River Falls Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Black River Falls, Wisconsin score: 127.5 (Highly Affordable), ranked 307 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/black-river-falls”