Wisconsin mortgage calculator with property tax and insurance
Median home price in Wisconsin: $320,000. Effective property tax 1.61%/yr, homeowners insurance ≈ $1,300/yr. Rates updated Oct 8, 2026.
Payment by loan term
| Term | P&I | All-in | Total interest |
|---|---|---|---|
| 10 yr | $3,039 | $3,576 | $108,652 |
| 15 yr | $2,373 | $2,911 | $171,167 |
| 20 yr | $2,062 | $2,600 | $238,956 |
| 30 yr | $1,790 | $2,328 | $388,396 |
Adjust the numbers
Monthly breakdown
Total interest $388,396 · total PMI $0 · paid off in 30 years
Compare loan terms
| Term | Monthly (P&I) | Total monthly | Total interest |
|---|---|---|---|
| 10 years | $3,039 | $3,576 | $108,652 |
| 15 years | $2,373 | $2,911 | $171,167 |
| 20 years | $2,062 | $2,600 | $238,956 |
| 30 years | $1,790 | $2,328 | $388,396 |
Amortization schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $19,120 | $2,360 | $253,640 |
| 2 | $18,937 | $2,543 | $251,097 |
| 3 | $18,739 | $2,741 | $248,356 |
| 4 | $18,527 | $2,953 | $245,403 |
| 5 | $18,297 | $3,183 | $242,221 |
| 6 | $18,050 | $3,430 | $238,791 |
| 7 | $17,784 | $3,696 | $235,095 |
| 8 | $17,497 | $3,983 | $231,112 |
| 9 | $17,188 | $4,292 | $226,820 |
| 10 | $16,855 | $4,625 | $222,195 |
| 11 | $16,496 | $4,984 | $217,211 |
| 12 | $16,109 | $5,371 | $211,840 |
| 13 | $15,692 | $5,788 | $206,052 |
| 14 | $15,242 | $6,238 | $199,814 |
| 15 | $14,758 | $6,722 | $193,092 |
| 16 | $14,236 | $7,244 | $185,849 |
| 17 | $13,674 | $7,806 | $178,043 |
| 18 | $13,068 | $8,412 | $169,631 |
| 19 | $12,415 | $9,065 | $160,566 |
| 20 | $11,711 | $9,769 | $150,797 |
| 21 | $10,953 | $10,527 | $140,270 |
| 22 | $10,136 | $11,344 | $128,926 |
| 23 | $9,255 | $12,225 | $116,701 |
| 24 | $8,306 | $13,174 | $103,527 |
| 25 | $7,283 | $14,197 | $89,330 |
| 26 | $6,181 | $15,299 | $74,031 |
| 27 | $4,993 | $16,487 | $57,544 |
| 28 | $3,713 | $17,767 | $39,778 |
| 29 | $2,334 | $19,146 | $20,632 |
| 30 | $848 | $20,632 | $0 |
Showing 360 payments. Schedule assumes a fixed rate and constant home value for PMI cancellation.
Down payment scenarios in Wisconsin
| Down | Cash needed | PMI | Monthly |
|---|---|---|---|
| 3% | $9,600 | $142 | $2,850 |
| 5% | $16,000 | $139 | $2,803 |
| 10% | $32,000 | $132 | $2,683 |
| 15% | $48,000 | $125 | $2,564 |
| 20% | $64,000 | $0 | $2,328 |
| 25% | $80,000 | $0 | $2,216 |
Around the Wisconsin median price
| Home price | P&I | All-in monthly |
|---|---|---|
| $240,000 | $1,342 | $1,773 |
| $320,000 | $1,790 | $2,328 |
| $400,000 | $2,237 | $2,882 |
| $480,000 | $2,685 | $3,437 |
Detailed payment examples
FAQ
What is the average property tax rate in Wisconsin?
Wisconsin's effective property tax rate is about 1.61% of home value per year, which is $429 per month on a $320,000 home. Rates vary by county and by exemptions, so treat this as a planning estimate.
How much is homeowners insurance in Wisconsin?
A typical Wisconsin policy runs around $1,300 per year ($108 per month). Coastal and hail-prone areas can be significantly higher.
Is a $320,000 home affordable in Wisconsin?
At 7.50% with 20% down, the estimated all-in payment is $2,328 per month. Using the 28% rule that implies a household income near $100,000 per year before other debts.