Oshkosh, Wisconsin.
Typical home $260,125 (+5.5% in a year), asking rent $1,243 (+4.4%). Oshkosh-Neenah, WI metro.
to buy the typical home at today's mortgage rate — +$785 (+135%) since Jan 2020.
- 1 year
- Up $13,555 +5%
- $246,570$260,125 since Sep 2025
- 5 years
- Up $69,045 +36%
- $191,080$260,125 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.
- Oshkosh$1,365
- Wisconsin$1,770
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Oshkosh, WI rose 5.5% over the past year — faster than the nation's +1.2%.
Asking rents in Oshkosh, WI rose 4.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Oshkosh runs $754/mo more than renting one — the widest that gap has been in this data.
That is $1,997 a month against $1,243 rent: a $1,365 mortgage payment, plus $353 property tax and $278 insurance & upkeep.
Owning vs renting — Oshkosh
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$1,997
- Renting$1,243
- Mortgage only$1,365
Property tax · $353/mo 1.63% of value a year — the ACS 2020-2024 median bill over the median home value for Winnebago County, WI
Insurance & upkeep · $278/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 Oshkosh, Winnebago County, Wisconsin
Oshkosh is a city of 66,816 people in Winnebago County. Half its households earn more than $62,188 a year and half less, against $74,925 across Winnebago County; 18% of its people live below the poverty line. 55% of its homes are lived in by their owners and 45% are rented. Unemployment in Oshkosh was 3.4% in August 2026, and Winnebago County had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Oshkosh is a city on Lake Winnebago, and its residents are younger than in most American towns. Incomes are below the county's, and more people here rent their homes than across Winnebago County as a whole. Winters are cold and snowy, and summers are warm.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing a good number. Among the largest workplaces in Oshkosh are the University of Wisconsin-Oshkosh, the Oshkosh Area School District and Aurora Medical Center Oshkosh. Most people have a short trip to work, and unemployment is low and close to where it stood a year ago.
Things to do. Lake Winnebago is a short drive away, and Lake Butte des Morts is close by too. In or beside town are the EAA Aviation Museum and the Paine Art Center and Gardens, a botanical garden. High Cliff State Park, a protected area, is a longer drive.
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- 27,451households
- 27%of adults have a degree
- 18%below the poverty line
- 18 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Winnebago County had 93,391 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 26° and lows near 10°; warmest in July, with highs near 82° and lows near 63°. About 39 inches of snow and 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oshkosh weather station, under a mile away (NOAA).
Largest workplaces in Oshkosh
- CR Meyer - CorporateIndustrial building construction, general contractors2,335
- University of Wisconsin-OshkoshUniversity or college1,425
- Oshkosh Area School DistrictSchool district1,299FTE
- Amcor PackagingFlexible packaging, plastics film, manufacturing600
- Aurora Medical Center OshkoshGeneral hospital584FTE
- Amcor Specialty FilmsBags, plastics film, single wall or multiwall, manufacturing489
- Hoffmaster GroupPaper or pulp mill construction438
- Wiapp017 Ascension NE WI - Mercy CampusGeneral medical and surgical hospitals435
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 98 workplaces with 20 or more staff, 14,186 people in all. Colleges come from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- LightningRelatively high
- HailRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Winnebago 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 Winnebago County and the Oshkosh-Neenah, WI metro.
Oshkosh home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oshkosh$260,125
- 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 7 Oshkosh listings, and the typical home goes pending in 37 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.
- Oshkosh14.26%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oshkosh248
New listings per month
Sellers arriving at the market.
- Oshkosh84
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Oshkosh$234,205
- United States$371,407
Zip codes with a Oshkosh address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oshkosh — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Oshkosh
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 54901 | Oshkosh | 37,294 | $1,223 | $229,817 |
| 54904 | Oshkosh | 22,273 | $2,200 | $364,201 |
| 54902 | Oshkosh | 22,243 | $1,250 | $235,022 |