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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

Cottage Grove, WI Housing Affordability Index

Cottage Grove, Wisconsin has an MBR Housing Affordability Index score of 104.3 (Near National Average) as of October 30, 2026, ranking 558th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $449,700 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $2,466, or 21% of the city’s $139,313 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cottage Grove 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.

Cottage Grove MBR-HAI 104.3 Near National Average
Rank in Wisconsin 558 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 $449,700 U.S. Census Bureau

Cottage Grove is 0.1 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Cottage Grove Mortgage Rates

What It Takes to Buy in Cottage Grove

$2,466/mo
Principal & Interest
Median home, 20% down, 7.30%
$105,700
Income Needed
To keep the payment at 28% of income
$139,313
Median Household Income
Wisconsin: $77,485
3.2x
Price-to-Income Ratio
Wisconsin: 3.4x
$2,537/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,704/yr
Median Property Tax
1.71% of median value
19.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
37.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Cottage Grove Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cottage Grove, Wisconsin score: 104.3 (Near National Average), ranked 558 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/cottage-grove”