Polk County, WI Average Home Price (2026)
The average home price in Polk County, Wisconsin is about $327,500 (the 2026 median across 14 ZIP codes, at ~$225/sq ft) — 5% more expensive than the Wisconsin median and 13% more expensive than the typical U.S. home.
How Polk County compares
Polk County is about average for housing nationally: its typical home costs $327,500 against $311,000 for Wisconsin and $289,000 for the U.S. Within the county, ZIP-level values run from about $262,000 to $416,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Polk County | $327,500 | $225 |
| Wisconsin | $311,000 | $207 |
| United States | $289,000 | $193 |
Polk County home prices by ZIP code
The 14 most valuable ZIP codes in Polk County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 54810 Balsam Lake | $416,000 | $224 | +27% |
| 54026 Star Prairie | $389,000 | $306 | +19% |
| 54826 Comstock | $372,000 | $351 | +14% |
| 54020 Osceola | $360,000 | $238 | +10% |
| 54009 Dresser | $344,000 | $185 | +5% |
| 54001 Amery | $341,000 | $211 | +4% |
| 54024 Saint Croix Falls | $334,000 | $257 | +2% |
| 54853 Luck | $321,000 | $253 | -2% |
| 54889 Turtle Lake | $317,000 | $193 | -3% |
| 54824 Centuria | $311,000 | $226 | -5% |
| 54005 Clear Lake | $303,000 | $233 | -7% |
| 54858 Milltown | $303,000 | $214 | -7% |
| 54006 Cushing | $276,000 | $208 | -16% |
| 54837 Frederic | $262,000 | $179 | -20% |
Home value appreciation in Polk County
Home prices in Polk County have risen about 108% over the last 10 years (≈7.6% a year) and +76.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.3% — still rising. A home worth $327,500 today was worth roughly $157,603 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 Polk County
Run the numbers for Polk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Polk County
To buy the typical $327,500 home in Polk County with 20% down, you need a household income of roughly $89,000 a year (about $2,080 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $106,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,400 | $2,580/mo | $111,000/yr |
| 10% (+PMI) | $32,800 | $2,470/mo | $106,000/yr |
| 20% | $65,500 | $2,080/mo | $89,000/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 Polk County
At about $225 per square foot, here is roughly how much home different budgets get you in Polk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 670 sq ft | below the local median — condos, smaller or older homes |
| $200k | 890 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1110 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1330 sq ft | around the typical home here |
| $400k | 1780 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 Polk County
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Polk 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.