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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

$2,119

at 6.92% · 30-year fixed

  • Principal & interest

    $1,584

  • Property taxes

    $375

  • Homeowners insurance

    $160

Loan amount

$240,000

Total interest paid

$330,187

Payoff date

—

YOU'RE KEEPING $13,365

$13,365

stays in your pocket

That's your total savings over 30 years at today's best rate on NerdWallet (6.92%) vs. the 7.15% national average — $37 less every month.

  • Today's best rate: 6.92%

  • 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-rate7.324%7.327%
20-year fixed-rate7.303%7.308%
15-year fixed-rate6.545%6.555%
7-year ARM7.667%7.330%
5-year ARM6.750%6.715%
30-year fixed-rate VA6.633%6.979%
Data source: ©Zillow, Inc. 2006 – 2026. Use is subject to the Terms of Use

Today's rate

7.327%

30-year fixed

Today's mortgage rates in Wisconsin are 7.327% for a 30-year fixed, 6.555% for a 15-year fixed, and 6.715% 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: What you're hoping to spend on a home.
2. ZIP code: The home's location.
3. Down payment: How much cash you're paying upfront towards the home's price. This calculator defaults to showing a 20% down payment, but you can adjust it up or down by changing the dollar amount or the percentage. This calculator assumes you're using a conventional loan, so it will automatically add private mortgage insurance if the down payment amount is less than 20%.
4. Loan term: The default is 30 years, but you can also choose a shorter term.
5. Interest rate: Use today's average APR, enter the rate you've been quoted or use the lowest APR NerdWallet partners are offering today.
That's the least you can do. To get more accurate results, fill in the following four categories. (Estimates are fine, but this goes over how to get more specific numbers.)
6. Property taxes (per year): This is autofilled with an estimate, but property taxes vary tremendously throughout the country. Get more precise by looking up the tax rate where you're planning to buy or looking at the tax history for the home you're interested in. You can change the property tax amount by editing the dollar amount or the percentage.
7. Homeowners insurance (per year): Mortgage lenders require borrowers to have homeowners insurance. Not sure what you might pay? This calculator puts in an estimate, but you can use NerdWallet's home insurance calculator to fine-tune it. All you need to know is the property location and the rough amount you'd be looking to insure — use the home's price as a proxy.
8. HOA fees: If the home is part of a homeowners association, put the monthly dues here. (The calculator default is no HOA costs.) This is also information you can likely crib from a home's listing. One other note, if there are HOA fees but you're going to pay them directly rather than with an escrow account, you can omit them here.
9. PMI (monthly): If you've entered a down payment amount under 20%, this will autofill, since the calculator assumes you're using a conventional loan. PMI is tied to your credit score, so if you want a more accurate figure, pop over to NerdWallet's PMI calculator. If you're using a VA loan, you can zero this out, since VA loans do not require mortgage insurance. On the other hand, if you're getting an FHA loan, you'll have to pay mortgage insurance premiums regardless of your down payment amount. For more accurate payment info, use our FHA mortgage calculator.
The calculator's results will update as you adjust the numbers in these fields. The results show you the monthly payment, as well as:
  • Loan amount: How much you're actually borrowing in principal.
  • Total interest paid: How much interest you will pay over the life of the mortgage if you keep it until its term ends. (Most people sell or refinance well before that point, but it's still interesting info.)
  • Payoff date: If you kept the same loan for its entire term, here's the month and year when you'd own the home free and clear.
There's also a simple annual amortization schedule. Amortization shows how your mortgage payment changes over time. Even though the principal and interest payment doesn't change with a fixed-rate mortgage, the percentage of that payment that's going toward each component does. At the beginning of the loan, more goes toward interest; the closer to the end of the loan's term, the more of the payment goes toward principal. If you want a more detailed month-by-month look, yes, NerdWallet has an amortization calculator, too.
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CONSIDERING A REFI? 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