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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

Stone Lake, WI Housing Affordability Index

Stone Lake, Wisconsin has an MBR Housing Affordability Index score of 83.8 (Moderately Less Affordable) as of October 30, 2026, ranking 675th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $193,400 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $1,061, or 29% of the city’s $43,393 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Stone Lake 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.

Stone Lake MBR-HAI 83.8 Moderately Less Affordable
Rank in Wisconsin 675 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 $193,400 U.S. Census Bureau

Stone Lake is 20.6 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Stone Lake Mortgage Rates

What It Takes to Buy in Stone Lake

$1,061/mo
Principal & Interest
Median home, 20% down, 7.30%
$45,500
Income Needed
To keep the payment at 28% of income
$43,393
Median Household Income
Wisconsin: $77,485
4.5x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,019/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,050/yr
Median Property Tax
1.58% of median value
66.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
73.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Stone Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Stone Lake, Wisconsin score: 83.8 (Moderately Less Affordable), ranked 675 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/stone-lake”