North Fond du Lac, WI Housing Affordability Index
North Fond du Lac, Wisconsin has an MBR Housing Affordability Index score of 126.4 (Highly Affordable) as of October 30, 2026, ranking 317th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $155,100 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $851, or 16% of the city’s $62,832 median household income.
The MBR Housing Affordability Index (MBR-HAI) for North Fond du Lac 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.
North Fond du Lac is 22.0 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index
View North Fond du Lac Mortgage RatesSee What You Can Afford in North Fond du Lac, Wisconsin
Use this North Fond du Lac, Wisconsin home affordability calculator to see how much house you can afford at today’s Wisconsin average 30-year mortgage rate of 7.30%. A household earning the North Fond du Lac median income of $62,832, with no other debts and $31,000 down, can afford a home of about $182,426, compared with a median home value of $155,100. Buying the median priced home with 20% down takes a household income of about $49,800 once property tax and insurance are counted.
| Loan amount | $151,426 |
| Principal & interest | $1,038/mo |
| Property tax | $289/mo |
| Home insurance | $76/mo |
| PMI | $63/mo |
| Total monthly payment | $1,466/mo |
How much house can you afford in North Fond du Lac?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In North Fond du Lac, property taxes run about 1.90% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,737 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in North Fond du Lac
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for North Fond du Lac, Wisconsin. The rate is the Wisconsin average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How North Fond du Lac Ranks in Wisconsin
Cite the North Fond du Lac Score
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Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
