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, 35% below the $420,000 national median. With a median household income of $67,100, the price-to-income ratio is 4.1x.
Wisconsin's 1.76% average property tax rate runs above the 1.1% national average, working out to $403/month on the median home here.
Wisconsin levies a state income tax of 3.54%–7.65% on top of the $1,951/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Wisconsin's cost of living index is 93, below the 100 national baseline. That's on top of the housing numbers above, not instead of them.
Wisconsin's median home price runs almost identical to Pennsylvania, both landing close to $275,000.
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.
Compare Top Wisconsin Mortgage LendersPennsylvania
$275,000 median
ILIllinois
$265,000 median
NMNew Mexico
$290,000 median
SDSouth Dakota
$295,000 median