Wisconsin mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, includi...ng your principal and interest, taxes, insurance, and PMI in Wisconsin. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

Wisconsin housing market

Wisconsin, the Badger State, has a complex housing market with housing prices in th...e top third in the U.S. The market is dominated by both urban areas like Milwaukee and Madison and rural markets. However, urban areas will likely have an outsized influence in the larger state housing market since they are growing and rural markets are losing population.

Your monthly payment
30 year fixed loan term
Monthly payment
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,006$1,445
Mortgage Rate4.125%2.233%*2.983%*
Total interest paid
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,006$1,445
Mortgage Rate4.125%2.233%*2.983%*
Total interest paid

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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We’ll share an interesting insight here for key milestones in your payoff schedule.

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Principal & interest


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Wisconsin mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.934%2.988%
20-year fixed-rate2.626%2.708%
15-year fixed-rate2.111%2.215%
10-year fixed-rate2.089%2.200%
7/1 ARM2.558%3.133%
5/1 ARM2.453%3.199%
30-year fixed-rate FHA2.375%3.143%
30-year fixed-rate VA2.520%2.790%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Wisconsin are 2.988% for a 30-year fixed, 2.215% for a 15-year fixed, and 3.199% for a 5/1 adjustable-rate mortgage (ARM).

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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.

First Time Home Buyer (FTHB) Advantage

State program

Best for

Low mortgage rates

Down payment assistance

Closing cost assistance

What you need to know

Wisconsin's first-time home buyer assistance program offers 30-year fixed-rate mortgages at low interest rates for buyers who have credit scores of 620 or higher. There are limits on household income as well as on mortgage loan amounts. Borrowers can buy houses, duplexes and eligible condominiums...

See full article

Average property tax in Wisconsin counties

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.

Avg. property tax rate
Avg. home value
Adams County1.63%$127,800
Ashland County1.55%$107,400
Barron County1.55%$145,500
Bayfield County1.23%$163,400
Brown County1.8%$173,400
Buffalo County1.46%$150,400
Burnett County1.17%$150,800
Calumet County1.79%$168,400
Chippewa County1.41%$154,900
Clark County1.48%$117,400
Columbia County1.6%$180,100
Crawford County1.77%$127,000
Dane County1.92%$263,300
Dodge County1.68%$164,700
Door County1.1%$204,700
Douglas County1.6%$140,400
Dunn County1.82%$156,700
Eau Claire County1.72%$170,400
Florence County1.5%$132,600
Fond du Lac County1.72%$152,100
Forest County1.13%$131,400
Grant County1.38%$137,200
Green County1.84%$163,600
Green Lake County1.59%$139,300
Iowa County1.67%$171,700
Iron County1.4%$107,200
Jackson County1.47%$129,400
Jefferson County1.72%$191,400
Juneau County1.72%$120,100
Kenosha County2.07%$174,500
Kewaunee County1.55%$155,900
La Crosse County1.84%$172,600
Lafayette County1.64%$126,600
Langlade County1.59%$106,200
Lincoln County1.6%$135,500
Manitowoc County1.8%$123,100
Marathon County1.79%$148,400
Marinette County1.41%$116,600
Marquette County1.57%$144,000
Menominee County1.18%$85,400
Milwaukee County2.41%$157,000
Monroe County1.57%$144,100
Oconto County1.45%$156,700
Oneida County1.1%$165,000
Outagamie County1.78%$168,600
Ozaukee County1.49%$291,200
Pepin County1.68%$143,800
Pierce County1.63%$193,300
Polk County1.56%$158,300
Portage County1.61%$162,000
Price County1.42%$120,000
Racine County1.96%$169,500
Richland County1.48%$134,400
Rock County1.95%$142,700
Rusk County1.19%$106,300
Sauk County1.63%$172,500
Sawyer County0.99%$161,700
Shawano County1.53%$135,800
Sheboygan County1.77%$154,900
St. Croix County1.42%$248,500
Taylor County1.69%$129,300
Trempealeau County1.67%$147,000
Vernon County1.55%$148,900
Vilas County0.87%$206,500
Walworth County1.55%$203,500
Washburn County1.35%$147,000
Washington County1.5%$232,300
Waukesha County1.53%$279,200
Waupaca County1.72%$142,300
Waushara County1.52%$140,500
Winnebago County1.98%$157,800
Wood County1.75%$135,500

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

» MORE: 

The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

» MORE: 

If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: