Home and mortgage

Wisconsin Mortgage Calculator

Your monthly mortgage payment in Wisconsin, with Wisconsin's effective property tax rate (1.42%) built in, at this week's average rate. The calculator starts at the state's median home value, $266,500.

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Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

Monthly payment$1,930.28The answer

Monthly payment

$1,930.28

A $267,000 home with 20% down ($213,600 borrowed) at 7.18% over 30 years costs about $1,930 a month: $1,447 principal and interest plus $483 of tax, insurance and dues.

Principal and interest: $1,447.00
Tax, insurance, PMI and HOA: $483.28
Total interest over the loan: $307,320

Amortization by year: $213,600 at 7.18%

Year	Interest	Principal	Balance
1	$15,268.41	$2,095.60	$211,504.40
2	$15,112.89	$2,251.12	$209,253.28
3	$14,945.84	$2,418.17	$206,835.11
4	$14,766.38	$2,597.63	$204,237.48
5	$14,573.61	$2,790.40	$201,447.08
6	$14,366.53	$2,997.48	$198,449.61
7	$14,144.09	$3,219.92	$195,229.68
8	$13,905.14	$3,458.87	$191,770.81
9	$13,648.45	$3,715.56	$188,055.25
10	$13,372.72	$3,991.29	$184,063.96
11	$13,076.52	$4,287.49	$179,776.48
12	$12,758.35	$4,605.66	$175,170.81
13	$12,416.56	$4,947.45	$170,223.36
14	$12,049.40	$5,314.61	$164,908.75
15	$11,655.00	$5,709.01	$159,199.74
16	$11,231.33	$6,132.68	$153,067.07
17	$10,776.22	$6,587.79	$146,479.28
18	$10,287.34	$7,076.67	$139,402.61
19	$9,762.18	$7,601.83	$131,800.78
20	$9,198.04	$8,165.97	$123,634.81
21	$8,592.04	$8,771.97	$114,862.84
22	$7,941.07	$9,422.94	$105,439.90
23	$7,241.78	$10,122.23	$95,317.67
24	$6,490.61	$10,873.40	$84,444.27
25	$5,683.69	$11,680.32	$72,763.95
26	$4,816.88	$12,547.13	$60,216.82
27	$3,885.75	$13,478.26	$46,738.56
28	$2,885.52	$14,478.49	$32,260.08
29	$1,811.07	$15,552.94	$16,707.14
30	$656.87	$16,707.14	$0.00

Download the schedule (CSV)

This week's mortgage rates

Monthly payment in Wisconsin by home price (20% down, 7%, 30 years, 1.42% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$130,000	$692	$154	$1,013
$200,000	$1,064	$237	$1,468
$270,000	$1,437	$320	$1,924
$400,000	$2,129	$474	$2,770
$530,000	$2,821	$628	$3,616

How this calculator works

As the mortgage calculator, with Wisconsin's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $3,792 ÷ median value $266,500.

Questions people ask

What is the mortgage payment on a median home in Wisconsin?

On $266,500 with 20% down at 7% over 30 years: about $1,418 principal and interest and $316 of property tax, $1,901 a month with $2,000 a year of insurance.

What is the median home value in Wisconsin?

$266,500 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in Wisconsin?

The effective rate is 1.42%, a median $3,792 a year. See Wisconsin's property tax page for every county we cover.

How much income do I need for a median Wisconsin home?

Under the 28% guideline, about $81,476 a year for the payment above; Wisconsin's median household income is $77,485.

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Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.