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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

Williams Bay, WI Housing Affordability Index

Williams Bay, Wisconsin has an MBR Housing Affordability Index score of 90.8 (Near National Average) as of October 30, 2026, ranking 661st most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $444,700 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $2,439, or 35% of the city’s $84,113 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Williams Bay 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.

Williams Bay MBR-HAI 90.8 Near National Average
Rank in Wisconsin 661 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 $444,700 U.S. Census Bureau

Williams Bay is 13.6 points below the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Williams Bay Mortgage Rates

What It Takes to Buy in Williams Bay

$2,439/mo
Principal & Interest
Median home, 20% down, 7.30%
$104,500
Income Needed
To keep the payment at 28% of income
$84,113
Median Household Income
Wisconsin: $77,485
5.3x
Price-to-Income Ratio
Wisconsin: 3.4x
$1,445/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,560/yr
Median Property Tax
1.03% of median value
27.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
18.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Williams Bay Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Williams Bay, Wisconsin score: 90.8 (Near National Average), ranked 661 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/williams-bay”