The story of this market
The typical home in Polk County, Wisconsin sells for about $311,230, or $178 per square foot.
Prices are down 2.2% from a year ago, which gives buyers more room to negotiate. Homes take about 58 days to sell. Over the long run, values in this county have grown 145% since 2000. Last year 9 of 14 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is cold wave, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,121 a month.
HUD sets the fair market rent for a 2-bedroom at $1,121 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+2%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+16.2%). Worst: 2010 (-8.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.2%
WI · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,437
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+2%
2025 change
FHFA repeat-sales index, median of 14 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
61
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $22,999,236.
Mortgage activity
Home lending in this county
80.9%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2541 | 1487 | 80.9% | 6% | $190,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Polk County, Wisconsin
The Polk County housing market is currently in a period of transition, characterized by a balanced supply-demand dynamic. While home prices have seen slight year-over-year fluctuations, the market remains relatively stable with a moderate supply of inventory and steady days on market.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 2 cities · 7 ZIP reports
Median prices moved up 0.2% year over year.
Homes spend a median of 38 days on market with 0.1 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 2.51% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 7.5% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 7 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Polk County, Wisconsin — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 23
researched Sep 23
researched Sep 23
researched Sep 23
researched Sep 23
researched Sep 23
researched Sep 23
| 54001 | Amery | $349,900 | $182 | +2.4% | 58 | 98.5% | 12% | 4.2 | 69 | $1,115 | researched Sep 23 |
| 54010 | — | $155,454 | $104 | +1.6% | 46 | — | — | — | 70 | $1,121 | researched Sep 23 |
| 54024 | Saint Croix Falls | $388,550 | $281 | +0.2% | 48 | — | — | — | 46 | $924 | researched Sep 23 |
| 54810 | Balsam Lake | $349,900 | $198 | +4.5% | 82 | 97.5% | 12% | 6.2 | 48 | $1,003 | researched Sep 23 |
| 54824 | Centuria | $275,000 | $162 | — | 11 | — | — | — | 11 | $929 | researched Sep 23 |
| 54853 | Luck | $223,000 | $174 | +2.1% | 53 | 98.2% | 12.5% | 4.2 | 42 | $850 | researched Sep 23 |
| 54859 | Minong | $349,900 | $182 | +2.4% | 84 | 96.5% | 12% | 8.4 | 42 | $824 | researched Sep 23 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county economy is supported by a mix of goods-producing and service-providing industries, with ongoing development momentum in the western Wisconsin region.
Property taxes are assessed at the local level based on the fair market value of real estate, with rates determined by local municipal and school district levies.
Polk County features numerous lakes and outdoor recreational opportunities, including the St. Croix River corridor, which serves as a major natural amenity for residents.
The rental market shows moderate pressure with a median rent of $1,200 per month and limited inventory availability.
The county economy is driven by private goods-producing and service-providing industries, with labor force participation centered in local and regional sectors.
Transportation is primarily served by state highway corridors connecting the county to the broader western Wisconsin and Twin Cities regional networks.
Property assessments are conducted at the county and municipal level to determine fair market value for taxation purposes.
The county is served by various local school districts and municipal utility providers that manage infrastructure and public services.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides extensive opportunities for boating, fishing, and scenic recreation along the western border of the county.
A historic site in Balsam Lake that preserves the local heritage and history of the county.
Data retrieved from US Census Bureau and local market reports.