CALCMONEY // MORTGAGE // WI
Calculate your monthly mortgage payment using Wisconsin-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$275,000
6.95%
1.76%
3.54%–7.65%
How today's 6.95% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.95% | — |
| 2024 avg | 7.37% | -0.42% |
| 2023 avg | 7.80% | -0.85% |
| 2022 peak | 7.63% | -0.68% |
| 2021 avg | 3.55% | +3.40% |
| 2020 avg | 3.35% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Wisconsin market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $1,456 |
| Property Tax | $403 |
| Homeowners Insurance (est.) | $92 |
| Total Monthly Payment (PITI) | $1,951 |
$55,000
$304,263
$83,627/yr
The median home price in Wisconsin is $275,000, below the national median of $420,000. With a median household income of $67,100, the price-to-income ratio is 4.1x.
Property taxes in Wisconsin average 1.76% of assessed value. On the median home, that is $4,840 per year, or $403 per month added to your mortgage payment. This is significantly above the national average of 1.1%, making property taxes a major factor in your total housing cost.
Wisconsin has a state income tax of 3.54%–7.65%. Factor this into your take-home pay when calculating how much mortgage you can afford.
The cost of living index in Wisconsin is 93 (national average = 100). Everyday expenses beyond housing are close to the national average.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $220,000 loan saves $9,900 in interest over 30 years.
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