Rock County, Wisconsin: What It Costs to Buy a Home
The median home in Rock County is worth $215,900, property taxes on it run about $3,652 a year (1.69%), the FHA loan limit is $541,287, and closing on it means about $648 in transfer tax plus $1,754 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $215,900 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,652 a year, 1.69% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $648 | Wisconsin transfer tax page → |
| Title insurance on the median home | $1,254 owner's + $500 lender's | Title insurance page → |
| Closing costs from these items | $2,402 | Closing costs page → |
| Area median income (HUD, family of 4) | $94,500; low-income limit $76,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Rock County?
The median owner-occupied home in Rock County is valued at $215,900, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Rock County?
The median Rock County homeowner pays $3,652 a year in real estate taxes, about 1.69% of the median home value ($3,701 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Rock County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Rock County?
On the $215,900 median home: transfer tax $648, title insurance $1,754 for both policies, about $2,402 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Rock County?
HUD's FY 2026 median family income for Rock County (Janesville-Beloit, WI MSA) is $94,500. A family of four counts as low income below $76,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Wisconsin counties
- Price County $146,000
- Racine County $239,400
- Richland County $182,800
- Rusk County $152,000
- Sauk County $242,400
- Sawyer County $223,300
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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