Real Estate and Mortgage Guide for Stoughton, WI

Within the Dane County limits is a city called Stoughton. It is south of Madison a few miles and considered part of the Madison metro area.

Population and Number of Homes

The most recent census shows that 12,900+ people call Stoughton home. There are over 3,000 homes in the area. With only 5 square miles to the town, the density is about 2,500 people per square mile.

Based on the number of children and young adults in the area it is no surprise that the median age of Stoughton is 39. A full one-fourth of the population is under 18. 53% of the population is between ages 25 and 64. 14% of the population is over age 65 and 6% of the population falls between the ages 18 and 24.

Local Economy

Stoughton Trailers is a manufacturer of semi-trailers and has its headquarters located in Stoughton. This company is among the biggest trailer manufacturers in the country and has been located in the area for 50+ years.

Uniroyal Engineered Products also has headquarters in Stoughton. This company is a producer of Naugahyde.

Average Weather

On average about 33 inches of rainfall will occur in Stoughton throughout the year. This occurs during the spring and summer months. In the winter the area averages about 34 inches of snowfall.

Throughout the year Stoughton will have 182 days filled with sunshine.

The highest temperatures occur in July when the outdoor thermometer can reach as high as 83 degrees. The coldest time is in January when the temps will drop to single digits.

Universities, Colleges and Junior Colleges

In the nearby town of Madison students can choose to further their education at one of two colleges

  • Madison Area Technical College
  • University of Wisconsin – Madison campus

There is also the University of Wisconsin – Whitewater campus located 26 miles away in the city of Whitewater.

Public School System

Within Stoughton is the single high school, Stoughton High, along with 1 middle school and 3 elementary schools.

Private Schools

There are two private schools in Stoughton. St Ann School that serves ages from kindergarten up to 6th grade and Martin Luther Christian School that serves ages from pre-kindergarten up to 5th grade.

Another private school, designated only for girls, is the Hommie Youth & Family Program.

Important Stats for Level of Education

For the citizens above the age of 25, here are the various education stats

  • 90% have graduated from high school
  • 32% have received a bachelor’s degree
  • 10% have earned either a professional or graduate degree

Transportation Options

There is a major airport in Madison that has access to 5 different commercial airlines. Amtrak stations are located in Madison and Janesville. At this time there are no major bus or shuttle services for the general public.

Popular Restaurants and Other Hot Spots

Stoughton has a range of restaurants and diners to fill most any appetite

  • Koffee Kup Restaurant – Traditional American food, especially breakfast
  • Banushi’s Bar and Grill – popular Sports Bar
  • El Rio Grande – authentic Mexican cuisine
  • Famous Yeti’s Pizza – pizzeria
  • Fosdal Home Bakery – wide range of pastries and deserts
  • Cheesers Gourmet Foods of Wisconsin – cheese shop

For the fans of performing arts the Stoughton Opera House offers performances in both the spring and fall. The Victorian building has been completely restored and provides a wide range of shows. There is also the Stoughton Village Players, a community theater that has put on productions since 1972.


Stoughton Hospital is a critical access hospital that is a non-profit medical facility. There are also 5 nursing homes in the area and one home health facility.

Outdoor Activities

Stoughton is a quite the active area. During the warmer days people can enjoy swimming, boating, golf, canoeing and disc golf. There are 14 different parks scattered around the area offering basketball, hiking, tennis and skateboard facilities.

For people that feel a need for speed, the Madison International Speedway claims to be the “Fastest Half-Mile Oval” in Wisconsin. The speedway has seating for 10,000+ and allows free parking.

Historical Note

The idea of workers stopping for a coffee break is thought to have started in Stoughton. The city was formed by Luke Stoughton who was an Englishman that grew up in Vermont. Between 1865 and 1900 a large number of Norwegian people settled in the town. These people were attracted to the new jobs available at the wagon manufacturer known as T.G. Mandt. The men left their jobs at various tobacco warehouses which meant that the wives now how to go to work at the tobacco companies. In order to keep the peace and maintain their home life the men negotiated for morning and afternoon breaks. The men would go home for a short period, help out with chores around the house and drink a bit of coffee.

To commemorate their heritage a Stoughton Coffee Break Festival is held each year.

Why Choose us as Your Stoughton 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 Stoughton with Little or No Money Down

Of course you want to buy a home in Stoughton 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 Stoughton 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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