St. Croix County, WI Average Home Price (2026)
The average home price in St. Croix County, Wisconsin is about $382,000 (the 2026 median across 11 ZIP codes, at ~$216/sq ft) — 23% more expensive than the Wisconsin median and 32% more expensive than the typical U.S. home.
How St. Croix County compares
St. Croix County is relatively expensive for housing nationally: its typical home costs $382,000 against $311,000 for Wisconsin and $289,000 for the U.S. Within the county, ZIP-level values run from about $319,000 to $543,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Croix County | $382,000 | $216 |
| Wisconsin | $311,000 | $207 |
| United States | $289,000 | $193 |
St. Croix County home prices by ZIP code
The 11 most valuable ZIP codes in St. Croix County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 54082 Houlton | $543,000 | $271 | +42% |
| 54016 Hudson | $491,000 | $244 | +29% |
| 54025 Somerset | $417,000 | $250 | +9% |
| 54023 Roberts | $410,000 | $202 | +7% |
| 54027 Wilson | $388,000 | $114 | +2% |
| 54015 Hammond | $382,000 | $297 | +0% |
| 54017 New Richmond | $379,000 | $211 | -1% |
| 54002 Baldwin | $344,000 | $216 | -10% |
| 54007 Deer Park | $339,000 | $496 | -11% |
| 54028 Woodville | $337,000 | $202 | -12% |
| 54013 Glenwood City | $319,000 | $184 | -16% |
Home value appreciation in St. Croix County
Home prices in St. Croix County have risen about 90% over the last 10 years (≈6.6% a year) and +69.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $382,000 today was worth roughly $201,583 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 St. Croix County
Run the numbers for St. Croix County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Croix County
To buy the typical $382,000 home in St. Croix County with 20% down, you need a household income of roughly $104,000 a year (about $2,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $123,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $19,100 | $3,010/mo | $129,000/yr |
| 10% (+PMI) | $38,200 | $2,880/mo | $123,000/yr |
| 20% | $76,400 | $2,430/mo | $104,000/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 St. Croix County
At about $216 per square foot, here is roughly how much home different budgets get you in St. Croix County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 930 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1160 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1390 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1850 sq ft | around the typical home here |
| $500k | 2310 sq ft | above the median — larger homes or the pricier ZIPs |
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 St. Croix County
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St. Croix 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.