Wisconsin Mortgage Calculator (2026)

Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29

Statewide avg. effective tax rate
1.42%
Median home value
$231,000
Home insurance (est.)
$1,400/yr

Estimated PITI at the Wisconsin median home price of $231,000, 20% down, 30-year fixed at 7.32%: $1,766/mo. The tax line uses Milwaukee County's effective rate of 1.93% and insurance of $1,500/yr — the calculator's default county. Buyer's transfer tax: usually paid by seller (0.3%).

Payment calculator

Loan type
$
%
$46,200 cash
%
30-yr fixed base 7.32% · credit adj +0.00% → 7.32% · PMMS Oct 22 2026
Loan term
Credit score
sets local tax & insurance
Picking a county updates the local property tax rate and insurance estimate — your home price stays as entered.
Advanced — HOA & extra payments
$
$
Estimated monthly payment
$1,765.97/mo
$1,766/mo
Principal & interest$1,269.45
Property tax$371.52
Home insurance$125.00
Covers principal & interest, property tax, insurance and mortgage insurance (when it applies). HOA counts only if entered above — left blank it is $0.
Loan amount$184,800
Down payment$46,200
LTV80%
Total interest$272,201
Payoff date…
Cash to close (estimate)
Down payment$46,200
Closing costs (2%–5%)$4,620 – $11,550
Est. cash needed$50,820 – $57,750
Transfer tax: 0.3%usually paid by seller
Wisconsin puts the transfer tax on the seller, so it isn't part of your cash to close.
Using Milwaukee County effective rate 1.93% · insurance $1,500/yr
Amortization
Year 12
Principal paid
$32,643
Interest paid
$150,157
Still owed
$152,157
$300k$225k$150k$75k$0
08152330

All three lines are running totals since the loan started — not a breakdown of the monthly payment.

What local costs matter in Wisconsin?

Effective property tax rate ~1.32% — top ten in the U.S.
Transfer fee $0.30/$100 (about 0.30%)
Lottery & Gaming Credit trims primary-home taxes
Tornado and hail risk is priced into insurance
All 72 Wisconsin counties — property tax rates
CountyEffective tax rateProperty tax /moInsurance (est.)
Milwaukee County1.93%$$372$1,500/yr
Dane County (Madison)1.63%$$314$1,300/yr
Waukesha County1.14%$$219$1,250/yr
Brown County (Green Bay)1.38%$$266$1,350/yr
Racine County1.63%$$314$1,400/yr
Adams County1.2%$$231$1,400/yr
Ashland County1.42%$$273$1,400/yr
Barron County1.31%$$252$1,400/yr
Bayfield County1.01%$$194$1,400/yr
Buffalo County1.32%$$254$1,400/yr
Burnett County0.93%$$179$1,400/yr
Calumet County1.41%$$271$1,400/yr
Show all 72 counties
CountyEffective tax rateProperty tax /moInsurance (est.)
Chippewa County1.08%$$208$1,400/yr
Clark County1.45%$$279$1,400/yr
Columbia County1.36%$$262$1,400/yr
Crawford County1.56%$$300$1,400/yr
Dodge County1.48%$$285$1,400/yr
Door County1.02%$$196$1,400/yr
Douglas County1.26%$$243$1,400/yr
Dunn County1.39%$$268$1,400/yr
Eau Claire County1.35%$$260$1,400/yr
Florence County1.21%$$233$1,400/yr
Fond du Lac County1.51%$$291$1,400/yr
Forest County1.07%$$206$1,400/yr
Grant County1.36%$$262$1,400/yr
Green County1.6%$$308$1,400/yr
Green Lake County1.26%$$243$1,400/yr
Iowa County1.52%$$293$1,400/yr
Iron County1.07%$$206$1,400/yr
Jackson County1.39%$$268$1,400/yr
Jefferson County1.46%$$281$1,400/yr
Juneau County1.47%$$283$1,400/yr
Kenosha County1.57%$$302$1,400/yr
Kewaunee County1.44%$$277$1,400/yr
La Crosse County1.54%$$296$1,400/yr
Lafayette County1.57%$$302$1,400/yr
Langlade County1.25%$$241$1,400/yr
Lincoln County1.32%$$254$1,400/yr
Manitowoc County1.44%$$277$1,400/yr
Marathon County1.47%$$283$1,400/yr
Marinette County1.2%$$231$1,400/yr
Marquette County1.26%$$243$1,400/yr
Menominee County3.56%$$685$1,400/yr
Monroe County1.35%$$260$1,400/yr
Oconto County1.18%$$227$1,400/yr
Oneida County0.89%$$171$1,400/yr
Outagamie County1.37%$$264$1,400/yr
Ozaukee County1.19%$$229$1,400/yr
Pepin County1.36%$$262$1,400/yr
Pierce County1.36%$$262$1,400/yr
Polk County1.13%$$218$1,400/yr
Portage County1.44%$$277$1,400/yr
Price County1.32%$$254$1,400/yr
Richland County1.38%$$266$1,400/yr
Rock County1.6%$$308$1,400/yr
Rusk County1.12%$$216$1,400/yr
Sauk County1.45%$$279$1,400/yr
Sawyer County0.8%$$154$1,400/yr
Shawano County1.36%$$262$1,400/yr
Sheboygan County1.39%$$268$1,400/yr
St. Croix County1.17%$$225$1,400/yr
Taylor County1.39%$$268$1,400/yr
Trempealeau County1.56%$$300$1,400/yr
Vernon County1.33%$$256$1,400/yr
Vilas County0.73%$$141$1,400/yr
Walworth County1.33%$$256$1,400/yr
Washburn County1.05%$$202$1,400/yr
Washington County1.1%$$212$1,400/yr
Waupaca County1.38%$$266$1,400/yr
Waushara County1.21%$$233$1,400/yr
Winnebago County1.63%$$314$1,400/yr
Wood County1.54%$$296$1,400/yr
Wisconsin state average1.42%$$273$1,400/yr
Monthly tax is estimated on a $231,000 home — the price in the calculator above. Effective rates — U.S. Census Bureau, ACS 2024 (5-yr).

† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.

How Wisconsin compares

Wisconsin's statewide average effective rate is 1.42% — the 9th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $231,000 home the calculator starts with, that is about $273 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.

A state average hides the part that changes the bill. The county rows above run from 0.73% in Vilas County to 3.56% in Menominee County — roughly $545 a month apart on the same $231,000 home. That is why the county picker moves the payment more than the state picker does.

Insurance is the other line that follows the address: this page prices $1,400 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.

The states nearest Wisconsin in the ranking are Texas (1.49%) and Iowa (1.39%).

Wisconsin mortgage FAQ

How much down payment do I need to buy a house in Wisconsin?

Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.

Why do property taxes vary so much within Wisconsin?

Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Wisconsin state average is about 1.42%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.

When does PMI go away?

Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.

Does this calculator include home insurance for Wisconsin?

Yes. The calculator pre-fills a typical Wisconsin premium of about $1,400 per year and updates it when you switch counties. Hail, severe thunderstorms and hard winters with freeze damage shape the claims profile. Get real quotes before budgeting.

More free mortgage tools

affordability calculator — how much house can I afford →refinance calculator — break-even & savings →closing cost calculator — cash to close by state →
Sources

Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue

Results are estimates for planning only and are not a loan approval. Property tax rates and insurance premiums vary by county, ZIP code, home age and coverage — confirm with the local County Assessor and insurer quotes. Rate default: Freddie Mac PMMS 30-yr fixed (7.32%, Oct 22 2026); the 20-yr default is an estimate derived from the PMMS 30-yr/15-yr spread (PMMS has no 20-yr series). Conventional credit pricing adds Fannie Mae loan-level price adjustments (effective 2026-10-01) on top of that base, anchored at the 740–759 tier, and PMI comes off a credit × LTV rate card — both are central estimates, not quotes. Loan minimums shown here are the national programs' floor; a lender may set a higher down payment, rate or fee for this state or this loan.