Winnebago County, Wisconsin: What It Costs to Buy a Home
The median home in Winnebago County is worth $208,600, property taxes on it run about $3,573 a year (1.71%), the FHA loan limit is $541,287, and closing on it means about $626 in transfer tax plus $1,729 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $208,600 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,573 a year, 1.71% 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 | $626 | Wisconsin transfer tax page → |
| Title insurance on the median home | $1,229 owner's + $500 lender's | Title insurance page → |
| Closing costs from these items | $2,355 | Closing costs page → |
| Area median income (HUD, family of 4) | $100,500; low-income limit $80,400 | Income limits page → |
Frequently asked questions
How much do homes cost in Winnebago County?
The median owner-occupied home in Winnebago County is valued at $208,600, 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 Winnebago County?
The median Winnebago County homeowner pays $3,573 a year in real estate taxes, about 1.71% of the median home value ($3,522 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Winnebago 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 Winnebago County?
On the $208,600 median home: transfer tax $626, title insurance $1,729 for both policies, about $2,355 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Winnebago County?
HUD's FY 2026 median family income for Winnebago County (Oshkosh-Neenah, WI MSA) is $100,500. A family of four counts as low income below $80,400 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
- Waukesha County $398,200
- Waupaca County $192,800
- Waushara County $186,000
- Wood County $168,100
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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