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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

La Crosse, WI Housing Affordability Index

La Crosse, Wisconsin has an MBR Housing Affordability Index score of 96.1 (Near National Average) as of October 30, 2026, ranking 634th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $210,100 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $1,152, or 25% of the city’s $55,866 median household income.

The MBR Housing Affordability Index (MBR-HAI) for La Crosse 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.

La Crosse MBR-HAI 96.1 Near National Average
Rank in Wisconsin 634 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 $210,100 U.S. Census Bureau

La Crosse is 8.3 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View La Crosse Mortgage Rates

What It Takes to Buy in La Crosse

$1,152/mo
Principal & Interest
Median home, 20% down, 7.30%
$49,400
Income Needed
To keep the payment at 28% of income
$55,866
Median Household Income
Wisconsin: $77,485
3.8x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,117/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,792/yr
Median Property Tax
1.80% of median value
27.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the La Crosse Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. La Crosse, Wisconsin score: 96.1 (Near National Average), ranked 634 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/la-crosse”