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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

Osceola, WI Housing Affordability Index

Osceola, Wisconsin has an MBR Housing Affordability Index score of 89.4 (Moderately Less Affordable) as of October 30, 2026, ranking 665th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $230,600 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $1,265, or 28% of the city’s $53,361 median household income.

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

Osceola MBR-HAI 89.4 Moderately Less Affordable
Rank in Wisconsin 665 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 $230,600 U.S. Census Bureau

Osceola is 15.0 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Osceola Mortgage Rates

What It Takes to Buy in Osceola

$1,265/mo
Principal & Interest
Median home, 20% down, 7.30%
$54,200
Income Needed
To keep the payment at 28% of income
$53,361
Median Household Income
Wisconsin: $77,485
4.3x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,194/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,504/yr
Median Property Tax
1.52% of median value
50.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
31.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Osceola Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Osceola, Wisconsin score: 89.4 (Moderately Less Affordable), ranked 665 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/osceola”