Cost of Ownership · Wisconsin

The true cost of owning a home in Wisconsin

For a median $247,400 home in Wisconsin, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 5, 2026Methodology true-cost-v3

Lender-approved payment

$1,882/mo

PITI + PMI

True monthly cost

$2,088/mo

everything, incl. upkeep

The gap

+$206/mo

what approval leaves out

Principal & interest$1,397/mo

Property tax$312/mo

Homeowners insurance$80/mo

PMI (LTV > 80%)$93/mo

Maintenance reserve$206/mo

True monthly cost$2,088/mo

Effective property-tax rate

1.51%

Avg. homeowners premium

$957/yr

NFIP flood claims on record

9,498

These figures use Wisconsin’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Wisconsin ranks on property tax and insurance, or browse every state.