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Wisconsin Mortgage Calculator

Use this free Wisconsin mortgage calculator to estimate your monthly mortgage payments and annual amortization.

Loan details

%

Monthly payment

$2,141

at 7.06% · 30-year fixed

  • Principal & interest

    $1,606

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$338,307

Payoff date

—

YOU'RE KEEPING $8,166

$8,166

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (7.06%) vs. the 7.20% national average — $23 less every month.

  • Today's best rate: 7.06%

  • Get your free rate with no credit impact

Get my rate

No impact to your credit score

Calculated payments and savings are estimates. The calculator result does not constitute an offer for a loan and will not solicit a loan offer. Savings will depend on the actual amounts and rate for which you are approved, should you choose to apply.

Getting a Mortgage in Wisconsin

Written by 
,  Edited by 
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Last updated November 19, 2025
What you pay for housing can look very different depending on where you live. National averages provide a baseline, but local housing costs and other everyday expenses often tell a more useful story. NerdWallet's cost of living calculator can show you how major cities in Wisconsin compare to other areas of the country.
In Milwaukee County, the typical mortgage payment was $1,556 in Q1 2025 for a median-priced home valued at $265,391, according to the National Association of Realtors. By comparison, the national median payment was $2,120 on a median-priced single-family home valued at $402,300.

Wisconsin mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate7.473%7.477%
20-year fixed-rate7.374%7.383%
15-year fixed-rate6.691%6.706%
7-year ARM7.667%7.315%
5-year ARM7.490%7.160%
30-year fixed-rate VA6.750%7.099%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.477%

30-year fixed

Today's mortgage rates in Wisconsin are 7.477% for a 30-year fixed, 6.706% for a 15-year fixed, and 7.160% for a 5-year adjustable-rate mortgage (ARM).

Wisconsin's first-time home buyer programs

The Wisconsin Housing and Economic Development Authority, or WHEDA, offers several loan programs to help qualified first-time home buyers get a mortgage.
» MORE: First-time home buyer programs by state

Average property tax by county

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Wisconsin. Because assessed values aren't frequently updated, you may pay a higher rate at first but eventually you'll pay a similar rate.

CountyAvg. property tax rateMedian home value
Adams County1.33%$168,400
Ashland County1.40%$143,500
Barron County1.36%$182,600
Bayfield County1.01%$214,700
Brown County1.46%$251,900
Buffalo County1.14%$182,900
Burnett County1.00%$200,800
Calumet County1.46%$234,000
Chippewa County1.13%$234,100
Clark County1.29%$153,000
Columbia County1.41%$243,600
Crawford County1.42%$160,300
Dane County1.69%$373,500
Dodge County1.40%$230,100
Door County1.00%$273,300
Douglas County1.27%$174,900
Dunn County1.41%$212,000
Eau Claire County1.42%$245,700
Florence County1.29%$158,400
Fond du Lac County1.48%$220,800
Forest County1.06%$160,100
Grant County1.33%$173,400
Green County1.49%$217,000
Green Lake County1.21%$186,100
Iowa County1.40%$231,300
Iron County1.07%$144,100
Jackson County1.32%$170,000
Jefferson County1.26%$276,800
Juneau County1.41%$153,700
Kenosha County1.63%$253,200
Kewaunee County1.42%$191,500
La Crosse County1.60%$231,300
Lafayette County1.38%$166,700
Langlade County1.27%$138,000
Lincoln County1.37%$163,700
Manitowoc County1.46%$165,900
Marathon County1.51%$201,000
Marinette County1.20%$142,300
Marquette County1.23%$189,500
Menominee County1.00%$104,300
Milwaukee County1.99%$216,900
Monroe County1.35%$184,000
Oconto County1.19%$195,200
Oneida County0.95%$214,700
Outagamie County1.47%$250,400
Ozaukee County1.26%$370,200
Pepin County1.38%$178,500
Pierce County1.49%$278,700
Polk County1.25%$222,800
Portage County1.34%$230,600
Price County1.26%$136,400
Racine County1.54%$238,200
Richland County1.14%$161,600
Rock County1.65%$209,900
Rusk County1.13%$144,800
Sauk County1.39%$259,200
Sawyer County0.84%$210,700
Shawano County1.32%$166,900
Sheboygan County1.39%$213,900
St. Croix County1.19%$358,100
Taylor County1.44%$168,800
Trempealeau County1.44%$193,700
Vernon County1.26%$192,800
Vilas County0.77%$255,700
Walworth County1.32%$290,800
Washburn County1.12%$196,900
Washington County1.19%$314,900
Waukesha County1.24%$379,700
Waupaca County1.40%$178,500
Waushara County1.24%$174,800
Winnebago County1.60%$207,200
Wood County1.48%$177,100
Source: American Communities Survey 2022, U.S. Census

How to use the mortgage calculator

To use our mortgage calculator, add your details to the following fields:
  1. Home price
  2. Down payment
  3. Interest rate
  4. Loan term (years)
After you enter this information, the calculator displays the monthly payment, as well as:
  • Total principal
  • Total interest payments
  • Payoff date
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Calculating costs in addition to principal and interest

The calculator lets you fine-tune your payment by entering your annual property tax premium, annual home insurance premium, monthly homeowner association (HOA) fee, and monthly private mortgage insurance (PMI) premium.
To enter this information, click “Show Advanced Info” underneath the main loan details. Note that you'll enter the annual cost for property taxes and home insurance and the monthly cost for HOA fees and PMI premiums. The PMI field will only display if your down payment is less than 20%.
In the “Loan Estimate” window, select "Amortization Schedule" to uncover a table that shows how much you'll pay in principal and interest each month, as well as the remaining amount you owe ("Principal balance") after making the payment.
» MORE: What is mortgage amortization?

Explanation of terminology

  • Total monthly payment: An estimate of all your monthly housing costs, covering your loan principal, interest, taxes, insurance, and PMI.
  • Total principal: This is the amount you borrow. Each mortgage payment reduces the principal you owe.
  • Total interest payments: How much interest you would pay over the life of the loan.
  • Total loan payments: The entire amount of principal and interest paid, excluding taxes, insurance, and PMI.
  • Down payment: The portion of the home’s price you pay in cash upfront. 
  • Interest rate: How much the lender charges you to lend you the money. Interest rates are expressed as an annual percentage. A lower interest rate gives you a smaller monthly payment.
  • Loan term (years): The number of years you have to repay the mortgage. A longer term gives you a lower monthly payment, but you’ll pay more interest.
  • Start date: The month that your first mortgage payment is due.
  • Payoff date: The month your home will be fully paid off based on the loan term.
  • Property taxes: The annual tax assessed by a government authority on your home and land. You pay about one-twelfth of your annual property tax bill with each mortgage payment, and the servicer saves them in an escrow account. When the taxes are due, the loan servicer pays them.
  • Homeowners insurance: Your policy covers damage and financial losses from fire, storms, theft, a tree falling on your house and other bad things. As with property taxes, you pay roughly one-twelfth of your annual homeowners insurance premium each month, and the servicer pays the bill when it's due.
  • Monthly HOA fees: The amount you may pay each month if you belong to a homeowners association. Typically, these dues are billed directly, not added to the monthly mortgage payment. Because HOA dues can be easy to forget when considering the cost of homeownership, NerdWallet's mortgage calculator allows you to enter them here.
  • Private mortgage insurance: If you get a conventional mortgage and put down less than 20%, you’ll have to pay a monthly PMI premium. It covers the lender if you default on the loan and can be canceled once you reach 20% equity. FHA loans require a similar fee called a mortgage insurance premium. 
If you're looking to see how much you could save by refinancing your mortgage, try NerdWallet's refinance calculator.
» MORE FOR CANADIAN READERS: Canada mortgage payment calculator
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