Key Economic Benchmarks
Median Household Income
$62,188$5,182 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Oshkosh, WI
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Oshkosh, WI
Official FY2026 HUD Fair Market Rents for Oshkosh-Neenah, WI MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $875 | $10,500 | $35,000 | 16.9% |
| 1-Bedroom Apartment | $889 | $10,668 | $35,560 | 17.2% |
| 2-Bedroom ApartmentBenchmark | $1,149 | $13,788 | $45,960 | 22.2% |
| 3-Bedroom Home | $1,543 | $18,516 | $61,720 | 29.8% |
| 4-Bedroom Home | $1,651 | $19,812 | $66,040 | 31.9% |
50/30/20 Living Budget in Oshkosh, WI
Based on the local median household income of $62,188/year ($5,182/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Wisconsin
Explore net income after federal income tax, FICA, and Wisconsin state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Wisconsin with official federal datasets:
Frequently Asked Questions About Living in Oshkosh, WI
What is the median household income in Oshkosh, WI?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Oshkosh, WI is $62,188 per year (approximately $5,182 per month).
What is the average rent in Oshkosh, WI?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Oshkosh, WI are $875 for a studio, $889 for 1 bedroom, $1,149 for 2 bedrooms, $1,543 for 3 bedrooms, and $1,651 for 4 bedrooms.
How does the cost of living in Oshkosh, WI compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Oshkosh, WI is 92.9 (7.1% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Oshkosh, WI?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,149/month) in Oshkosh, WI requires a minimum gross household income of $45,960 per year ($3,830 per month).
What is a balanced 50/30/20 monthly budget in Oshkosh, WI?
For a typical household earning the median income of $62,188/year ($5,182/month) in Oshkosh, WI, a balanced 50/30/20 budget allocates $2,591/month to essential needs (rent, utilities, groceries), $1,555/month to discretionary spending, and $1,036/month to savings and debt repayment.
What are typical electricity and utility costs in Oshkosh, WI?
Residential electricity rates in Wisconsin average 19.6¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $176 per month.