Calculate your monthly mortgage payment in Wisconsin. Pre-filled with Wisconsin's typical home value of $339,700 (Zillow Home Value Index, August 2026) and an effective property tax rate of 1.25% (Census ACS 2024 1-year, median taxes ÷ median home value).
Est. Monthly Payment
$2,310
Principal & Interest
$1,814
Property Tax / mo
$354
Total Interest Paid
$381,102
| Home Price | $339,700 | Typical home value in Wisconsin — Zillow Home Value Index, August 2026 |
| Down Payment | 20% ($67,940) | Assumption — no sourced state average |
| Loan Amount | $271,760 | Home price minus down payment |
| Interest Rate | 7.03% | Freddie Mac PMMS national average, week of 2026-09-24 — not a Wisconsin rate |
| Loan Term | 30 years | Assumption |
| Property Tax | 1.25% / year | Wisconsin effective rate — Census ACS 2024 1-year, median taxes ÷ median home value |
| Home Insurance | 0.5% / year | Assumption — not a sourced premium |
Programs named for Wisconsin: WHEDA Advantage, WHEDA Easy Close DPA. This list has no recorded source or date and may be out of date — confirm current programs and eligibility with the Wisconsin housing finance agency before you rely on it.
Cost of living: Moderate (index 95.7, MERIC (C2ER index), Second Quarter 2026) · Population: 5,972,787 (Census Bureau estimate, July 1, 2025)
Wisconsin has a typical home value of about $339,700 (Zillow Home Value Index, August 2026), below the U.S. typical value of $368,700. With an assumed 20% down payment of $67,940, a buyer would finance $271,760 over 30 years. At the national 7.03% fixed rate, the monthly principal and interest payment comes to $1,814.
The effective property tax rate in Wisconsin — median real estate taxes paid divided by median home value — is 1.25% per year (Census ACS 2024 1-year, median taxes ÷ median home value), against 0.89% for the U.S. Combined with an assumed $142 a month for homeowners insurance, the estimated all-in monthly housing cost is about $2,310.
Using the 28% housing cost guideline, you would need a gross annual income of approximately $98,979 to qualify comfortably. The median household income in Wisconsin is $77,488 (Census ACS 2024 1-year).
