Waukesha County, Wisconsin: What It Costs to Buy a Home
The median home in Waukesha County is worth $398,200, property taxes on it run about $4,525 a year (1.21%), the FHA loan limit is $541,287, and closing on it means about $1,195 in transfer tax plus $2,245 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $398,200 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $4,525 a year, 1.21% 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 | $1,195 | Wisconsin transfer tax page → |
| Title insurance on the median home | $1,745 owner's + $500 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $60 | Recording fees page → |
| Closing costs from these items | $3,500 | Closing costs page → |
| Down payment help | 1 local program found | First-time buyer page → |
| Area median income (HUD, family of 4) | $108,400; low-income limit $86,700 | Income limits page → |
Frequently asked questions
How much do homes cost in Waukesha County?
The median owner-occupied home in Waukesha County is valued at $398,200, per U.S. Census Bureau QuickFacts, Waukesha County, Wisconsin - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year).
How much are property taxes in Waukesha County?
The median Waukesha County homeowner pays $4,525 a year in real estate taxes, about 1.21% of the median home value ($4,557 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Waukesha 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 Waukesha County?
On the $398,200 median home: transfer tax $1,195, title insurance $2,245 for both policies, recording fees about $60, about $3,500 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Waukesha County?
HUD's FY 2026 median family income for Waukesha County (Milwaukee-Waukesha, WI MSA) is $108,400. A family of four counts as low income below $86,700 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
- Walworth County $275,900
- Washburn County $207,900
- Washington County $316,200
- Waupaca County $192,800
- Waushara County $186,000
- Winnebago County $208,600
Sources
- U.S. Census Bureau QuickFacts, Waukesha County, Wisconsin - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- 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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