Jefferson County, WI Average Home Price (2026)
The average home price in Jefferson County, Wisconsin is about $396,500 (the 2026 median across 10 ZIP codes, at ~$229/sq ft) — 27% more expensive than the Wisconsin median and 37% more expensive than the typical U.S. home.
How Jefferson County compares
Jefferson County is relatively expensive for housing nationally: its typical home costs $396,500 against $311,000 for Wisconsin and $289,000 for the U.S. Within the county, ZIP-level values run from about $322,000 to $479,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $396,500 | $229 |
| Wisconsin | $311,000 | $207 |
| United States | $289,000 | $193 |
Jefferson County home prices by ZIP code
The 10 most valuable ZIP codes in Jefferson County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 53036 Ixonia | $479,000 | $226 | +21% |
| 53137 Helenville | $466,000 | $154 | +18% |
| 53178 Sullivan | $435,000 | $256 | +10% |
| 53551 Lake Mills | $429,000 | $224 | +8% |
| 53038 Johnson Creek | $418,000 | $245 | +5% |
| 53156 Palmyra | $375,000 | $283 | -5% |
| 53594 Waterloo | $360,000 | $186 | -9% |
| 53549 Jefferson | $346,000 | $232 | -13% |
| 53538 Fort Atkinson | $329,000 | $184 | -17% |
| 53094 Watertown | $322,000 | $251 | -19% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 93% over the last 10 years (≈6.8% a year) and +83.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.3% — still rising. A home worth $396,500 today was worth roughly $205,760 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Wisconsin is +95.5% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $396,500 home in Jefferson County with 20% down, you need a household income of roughly $108,000 a year (about $2,520 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $128,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,800 | $3,130/mo | $134,000/yr |
| 10% (+PMI) | $39,700 | $2,990/mo | $128,000/yr |
| 20% | $79,300 | $2,520/mo | $108,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Jefferson County
At about $229 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 870 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1310 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1750 sq ft | around the typical home here |
| $500k | 2180 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Wisconsin.
Estimate a specific home in Jefferson County
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Jefferson County home prices: frequently asked
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Browse all Wisconsin cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.