Beloit, Wisconsin.
Typical home $207,819 (+7.2% in a year), asking rent $1,394 (+6.7%). Janesville-Beloit, WI metro.
to buy the typical home at today's mortgage rate — +$686 (+170%) since Jan 2020.
- 1 year
- Up $14,040 +7%
- $193,779$207,819 since Sep 2025
- 5 years
- Up $68,449 +49%
- $139,370$207,819 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Beloit$1,091
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Beloit, WI rose 7.2% over the past year — faster than the nation's +1.2%.
Asking rents in Beloit, WI rose 6.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Beloit runs $196/mo more than renting one. The gap peaked at $218 in Jan 2025.
That is $1,590 a month against $1,394 rent: a $1,091 mortgage payment, plus $277 property tax and $222 insurance & upkeep.
Owning vs renting — Beloit
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,590
- Renting$1,394
- Mortgage only$1,091
Property tax · $277/mo 1.60% of value a year — the ACS 2020-2024 median bill over the median home value for Rock County, WI
Insurance & upkeep · $222/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Beloit, Rock County, Wisconsin
Beloit is a city of 36,657 people in Rock County. Half its households earn more than $62,663 a year and half less, against $75,673 across Rock County; 15% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Beloit was 4.5% in August 2026, and Rock County had 0.2% more jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Beloit is a small city on the Wisconsin side of the state line, and its residents are younger than in many American towns. Household incomes run below the county's, and more people live below the poverty line than most would expect. Owners and renters share the housing, with more homes lived in by their owners than rented. Winters are cold and snowy, with January the coldest month, and summers are warm in July.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, and in shops, with professional and business services close behind. Among the largest workplaces in Beloit are Beloit Memorial Hospital, the Beloit School District and Fairbanks Morse Defense, which builds diesel engines. A four-year degree is held by fewer adults than in many places, and the typical commute is short.
Things to do. Beloit has museums in or beside town, among them the Logan Museum of Anthropology and the Wright Museum of Art. The Pecatonica River is a short drive away for time by the water. For a longer outing, Rotary Botanical Gardens is a botanical garden a longer drive away.
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- 13,638households
- 18%of adults have a degree
- 15%below the poverty line
- 23 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Rock County had 69,744 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 25° and lows near 11°; warmest in July, with highs near 80° and lows near 60°. About 36 inches of snow and 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Beloit weather station, 2 miles away (NOAA).
Largest workplaces in Beloit
- Beloit Memorial HospitalGeneral hospital1,179FTE
- Beloit School DistrictSchool district802FTE
- Frito LAYOther snack food manufacturing658
- ABC Supply NSC 2Roofing siding and insulation merchant wholesalers538
- ABC Supply NSCRoofing siding and insulation merchant wholesalers498
- Fairbanks Morse DefenseDiesel and semidiesel engines manufacturing421
- Beloit ClinicPhysicians' offices409
- WalmartWarehouse clubs and supercenters329
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 44 workplaces with 20 or more staff, 6,884 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- TornadoesRelatively high
- Cold wavesRelatively high
- Strong windRelatively high
- LightningRelatively high
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Rock County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Rock County and the Janesville-Beloit, WI metro.
Beloit home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Beloit$207,819
- Wisconsin$337,196
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Beloit listings, and the typical home goes pending in 6 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Beloit22.73%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Beloit6
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Beloit106
New listings per month
Sellers arriving at the market.
- Beloit56
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Beloit$196,543
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Beloit101.89%
Zip codes with a Beloit address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Beloit — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.