Real Estate and Mortgage Guide for Oshkosh, WI

Lake Winnebago, where Fox River joins on the west side, is home to the city of Oshkosh, Wisconsin. The city is within the limits of Winnebago County and boasts of 95,000 residents as of the most current census.

Population and Number of Homes

Based on the information reported by the federal census from the year 2010 there are 13,800+ families that call Oshkosh their home. A total of 26,138 homes are owned in the area. Based on the size of the area there are roughly 1,100 homes for each square mile within Oshkosh. As far as ages, the population of the town is almost evenly spread out over all ages. The number of people under the age of 18 represents about 10% of the population. The number of folks aged 18 to 40 is 18% of the residents and the people from age 40 to 60 is 12% of the population. People over the age of 60 make up only 7% of the area’s residents.

Local Economy

The Oshkosh Corporation makes its home in Oshkosh, WI. This company specializes in manufacturing custom bodies and vehicles for 4 types of clients: fire and rescue, access, commercial and defense.

Another prominent company is the Oshkosh B’Gosh organization which is known around the world for its line of overalls made specifically for children. Although the company has moved the actual clothing manufacturing to another location the headquarters for the company remains here.

Other large employers in the area include

  • Bemis
  • University of Wisconsin – Oshkosh
  • Winnebago Country
  • US Bank
  • Aurora Medical Center
  • Miles Kimball
  • Winnebago Mental Health Institute

Of the 344 metro areas surveyed by the CQ Press Oshkosh was listed as the 18th best place to live based on safety.

Average Weather

Oshkosh is considered a relatively humid area that has no true dry season to speak of. From the latter part of May until the middle of September the temps will reach into the upper 70s and even in the 80s.

From November until March the highs will only reach into the 30s.

Precipitation, from light rain in the summer to heavy snowfall in the winter, is a frequent occurrence.

Universities, Colleges and Junior Colleges

Oshkosh is home to the University of Wisconsin-Oshkosh campus which has 14,000 students. Another school, Fox Valley Technical College is also in the area.

Public School System

For the public system 15 elementary schools serves the entire city. These schools lead up to 6 middle schools and the following two high schools;

  • Oshkosh West High School
  • Oshkosh North High School

Private Schools

Oshkosh has two private schools

  • Valley Christian
  • Lourdes High School

Important Stats for Level of Education

Within Oshkosh, 82.5% of the population has a high school diploma. 22.6% have a bachelor’s degree from a college or university and 7.5% have a master’s degree.

Within the public schools the system enjoys a low 15 to 1 student to teacher overall ratio.

In a survey conducted in 2010 by Business Week magazine OshKosh was named one of the Best Places to Raise Your Kids

Transportation Options

The Oshkosh Transit System operates the local buses beginning at 6:15 in the morning and lasting until 6:15 at night. A total of 9 buses are used within the system and the routes are operated from Monday to Saturday. One route can be used to travel to either Neenah, WI, or to connect with the Fox Cities bus line.

Popular Restaurants and Other Hot Spots

Some of the most popular restaurants in the area includes the following

  • Pilora’s Café – variety of sandwiches and salads
  • Gardina’s Wine bar and café – traditional American wine bar
  • La Cabana – Mexican cuisine
  • Benvenuto’s Italian Grill – Italian cuisine
  • Dublin’s Irish Pub – Irish cuisine

For folks seeking various exercise options there are places such as Planet Fitness, Bodyworks Internationale and Crossfit Oshkosh.

Culture and art enthusiasts will be delighted by the various offerings such as

  • Oshkosh Public Museum
  • Paine Art Center and Gardens
  • Military Veterans Museum
  • EAA AirVenture Museum
  • Grand Opera House

There is the Wittman Regional Airport that was started in 1927. Originally named the Oshkosh Airport, the area has been home to the AirVenture Air Show since 1969. The main sponsor of the event, Experimental Aircraft Association, states that this annual event is the largest aviation show in the USA. Starting on the final Monday in the month of July the event lasts a full week. Over 10,000 various aircraft will be on display and it is estimated that up to 500,000 spectators will travel to the event.


The following organizations take care of the good people of Oshkosh medical needs

  • Clarity Care
  • Aurora Medical Center & Aurora Medical Group
  • Winnebago Mental Health Institute
  • Affinity Mercy Medical Center
  • Lutheran Homes of Oshkosh

Outdoor Activities

The southern portion of the well known Wiouwash State Trail is located in Oshkosh. Heading north for 21 miles towards Hortonville this is an old rail trail that has been converted for use by bikers, walkers, snowmobilers, horseback riders and hikers. Each county that is covered by the trail participates in maintaining the trail for all use.

Why Choose us as Your Oshkosh Mortgage Lender?

We are a Mortgage Lender specializing in mortgage loans since we first opened our doors. With licensed offices in 47 states, we have the staff and the experience to meet any home loan needs.

We were named to Mortgage Executive Magazine's list of Top 100 Mortgage Companies in America. In 2018 we were awarded as a Top Mortgage Lender in Top Dollar Volume by Scotsman Guide. We were also named a Top Workplace by the Houston Chronicle for the 5th year. Finally, we were named to Inc. 5000 list of Fastest-Growing Private Companies in America.

Besides these accolades, we are proud that President Ron Zach was named to National Mortgage Professional Magazine’s list of the 40 most influential mortgage professionals under 40.

How to Buy a Home in Oshkosh with Little or No Money Down

Of course you want to buy a home in Oshkosh with no down payment. Who doesn’t?

Here’s how you do it:

Many people never buy the home of their dreams simply because they don't think they have enough money for the down payment. They have been told through the years that they need 10% or 20% of the purchase price in order to buy a home. Well, this is true for the conventional/conforming loan programs but not for Oshkosh Government loans.

So why have so many Lenders told them this?

It’s because selling homes to people with 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most mortgage loan officers would rather go after the "easy sale" than try to help people who would rather save the down payment money for a rainy day or for current and future repairs/upgrades.

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