Market Overview
Home Prices in Ladysmith, WI
The median home value in Ladysmith, WI is $185,100 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.9% compared to a year ago and up 2.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ladysmith are priced55% below average.
Over the past five years, Ladysmith home values have risen by approximately41.2%, reflecting strong long-term appreciation in this market.
Price History
Ladysmith Home Price Trend
2020
$113,323
$113K
—
2021
$131,100
$131K
+15.7%
2022
$161,207
$161K
+23.0%
2023
$164,321
$164K
+1.9%
2024
$166,066
$166K
+1.1%
2025
$169,975
$170K
+2.4%
2026
$185,100
$185K
+8.9%
City Comparison
Ladysmith vs. National Median
🏠 Ladysmith
$185,100
National Median
$410,000
At $185,100, homes in Ladysmith cost 55% below the national median of $410,000. This makes Ladysmith a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ladysmith?
20% Down Payment
$37,020
on $185,100
Monthly P&I
$965/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,226/mo
incl. taxes & insurance
Income Needed
$49,040
gross annual (30% rule)
10% Down Option
$18,510
+ PMI applies
Loan Amount (20% dn)
$148,080
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ladysmith, WI?
The median home value in Ladysmith is $185,100 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.9% year-over-year.
How much have home prices changed in Ladysmith?
Over the past year, home values in Ladysmith have increased by 8.9%. Over five years, prices have risen approximately 41.2%.
How much do I need to earn to buy a home in Ladysmith?
To comfortably afford the median home price of $185,100 with a 20% down payment ($37,020) at today's rates (6.8%), you'd need a gross annual income of approximately $49,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Ladysmith compare to the national average home price?
The national median home value is approximately $410,000. At $185,100, homes in Ladysmith are 55% below the national average.