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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

Minocqua, WI Housing Affordability Index

Minocqua, Wisconsin has an MBR Housing Affordability Index score of 61.8 (Significantly Less Affordable) as of October 30, 2026, ranking 695th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $475,900 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $2,610, or 76% of the city’s $41,436 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Minocqua 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.

Minocqua MBR-HAI 61.8 Significantly Less Affordable
Rank in Wisconsin 695 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 $475,900 U.S. Census Bureau

Minocqua is 42.6 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Minocqua Mortgage Rates

What It Takes to Buy in Minocqua

$2,610/mo
Principal & Interest
Median home, 20% down, 7.30%
$111,900
Income Needed
To keep the payment at 28% of income
$41,436
Median Household Income
Wisconsin: $77,485
11.5x
Price-to-Income Ratio
Wisconsin: 3.4x
$686/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,593/yr
Median Property Tax
0.97% of median value
47.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
58.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

How Minocqua Ranks in Wisconsin

Cities with similar scores
#692Stockbridge73.8 #693North Lake72.9 #694Yuba66.8
#695Minocqua61.8
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Cite the Minocqua Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Minocqua, Wisconsin score: 61.8 (Significantly Less Affordable), ranked 695 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/minocqua”