MonitorBankRates
☰
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

Osseo, WI Housing Affordability Index

Osseo, Wisconsin has an MBR Housing Affordability Index score of 110.2 (More Affordable Than Average) as of October 30, 2026, ranking 486th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $181,600 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $996, or 20% of the city’s $59,548 median household income.

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

Osseo MBR-HAI 110.2 More Affordable Than Average
Rank in Wisconsin 486 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 $181,600 U.S. Census Bureau

Osseo is 5.8 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Osseo Mortgage Rates

What It Takes to Buy in Osseo

$996/mo
Principal & Interest
Median home, 20% down, 7.30%
$42,700
Income Needed
To keep the payment at 28% of income
$59,548
Median Household Income
Wisconsin: $77,485
3.0x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,039/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,253/yr
Median Property Tax
1.79% of median value
26.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Osseo Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Osseo, Wisconsin score: 110.2 (More Affordable Than Average), ranked 486 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/osseo”