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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

Waldo, WI Housing Affordability Index

Waldo, Wisconsin has an MBR Housing Affordability Index score of 132.3 (Highly Affordable) as of October 30, 2026, ranking 262nd most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $261,800 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $1,436, or 18% of the city’s $93,750 median household income.

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

Waldo MBR-HAI 132.3 Highly Affordable
Rank in Wisconsin 262 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 $261,800 U.S. Census Bureau

Waldo is 27.9 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Waldo Mortgage Rates

See What You Can Afford in Waldo, Wisconsin

Use this Waldo, 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 Waldo median income of $93,750, with no other debts and $52,000 down, can afford a home of about $295,276, compared with a median home value of $261,800. Buying the median priced home with 20% down takes a household income of about $77,400 once property tax and insurance are counted.

Waldo median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Wisconsin average, 30-year fixed
Waldo median bill (Census)
Estimate; use your quote
You can afford a home up to
$295,276
At or above the Waldo median home value of $261,800
Loan amount$243,276
Principal & interest$1,668/mo
Property tax$295/mo
Home insurance$123/mo
PMI$101/mo
Total monthly payment$2,188/mo
Compare Waldo Mortgage Rates

How much house can you afford in Waldo?

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 Waldo, property taxes run about 1.20% 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 $4,687 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 Waldo

$1,436/mo
Principal & Interest
Median home, 20% down, 7.30%
$61,500
Income Needed
To keep principal and interest at 28% of income
$93,750
Median Household Income
Wisconsin: $77,485
2.8x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,500/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,152/yr
Median Property Tax
1.20% of median value
22.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
11.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Waldo Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Waldo, Wisconsin score: 132.3 (Highly Affordable), ranked 262 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/waldo”