Wisconsin Mortgage Calculator
Calculate your monthly payment in Wisconsin, with property tax included using the state's effective rate of 1.42%. See your full amortization schedule and analyze your loan structure.
Pick a state to use its property tax rate. With a keyboard, use the arrow keys and press Enter.
Estimated Monthly Payment
Estimates only. Does not include homeowners insurance, mortgage insurance (PMI), or HOA fees. Property tax uses the state's average effective rate and your actual bill may differ.
Yearly Amortization Schedule
| Year | Principal Paid | Interest Paid | Remaining Balance |
|---|---|---|---|
| 1 | $3,577 | $20,695 | $316,423 |
| 2 | $3,816 | $20,455 | $312,607 |
| 3 | $4,072 | $20,200 | $308,535 |
| 4 | $4,345 | $19,927 | $304,191 |
| 5 | $4,636 | $19,636 | $299,555 |
| 6 | $4,946 | $19,325 | $294,609 |
| 7 | $5,277 | $18,994 | $289,332 |
| 8 | $5,631 | $18,641 | $283,701 |
| 9 | $6,008 | $18,264 | $277,694 |
| 10 | $6,410 | $17,861 | $271,284 |
| 11 | $6,839 | $17,432 | $264,444 |
| 12 | $7,297 | $16,974 | $257,147 |
| 13 | $7,786 | $16,485 | $249,361 |
| 14 | $8,308 | $15,964 | $241,053 |
| 15 | $8,864 | $15,407 | $232,189 |
| 16 | $9,458 | $14,814 | $222,732 |
| 17 | $10,091 | $14,180 | $212,641 |
| 18 | $10,767 | $13,505 | $201,874 |
| 19 | $11,488 | $12,784 | $190,386 |
| 20 | $12,257 | $12,014 | $178,129 |
| 21 | $13,078 | $11,193 | $165,051 |
| 22 | $13,954 | $10,317 | $151,097 |
| 23 | $14,888 | $9,383 | $136,208 |
| 24 | $15,886 | $8,386 | $120,323 |
| 25 | $16,949 | $7,322 | $103,373 |
| 26 | $18,085 | $6,187 | $85,289 |
| 27 | $19,296 | $4,976 | $65,993 |
| 28 | $20,588 | $3,683 | $45,405 |
| 29 | $21,967 | $2,305 | $23,438 |
| 30 | $23,438 | $833 | $0 |
Property tax in Wisconsin: the numbers
Wisconsin has one of the highest effective property tax rates in the country. At 1.42%, it is 54% above the 0.92% national average, and it ranks 9th out of 50 when states are ordered from highest rate to lowest.
A median-valued home in Wisconsin is worth $266,500 and carries a median property tax of $3,792 per year, or roughly $316 per month. By median home value the state ranks 30th out of 50 (1 = highest), and by median annual property tax it ranks 15th.
| Effective property tax rate | 1.42% |
|---|---|
| Median home value | $266,500 |
| Median annual property tax | $3,792 |
| Rank by rate (1 = highest of 50) | 9 |
| Difference vs 0.92% national average | 0.50 points above (54% above) |
What this means for your monthly payment
Two worked examples for Wisconsin, using the figures above:
Example 1: the median home
$3,792 per year ÷ 12 = about $316 per month in property tax (median home value: $266,500).
Example 2: a $300,000 home
$300,000 × 1.42% ÷ 12 = about $355 per month, or $4,260 per year.
At the 0.92% national average rate, a $300,000 home would have about $2,760 in property tax per year. In Wisconsin it is about $4,260, which is $1,500 more per year (about $125 more per month).
Compare with similar states
States ranked just above and just below Wisconsin by effective property tax rate (1 = highest). States with the same rate are ordered by median annual tax.
Ranked just above (higher rate)
- New Hampshire — 1.66% (rank 4)
- Vermont — 1.59% (rank 5)
- New York — 1.55% (rank 6)
- Texas — 1.49% (rank 7)
- Nebraska — 1.49% (rank 7)
Ranked just below (lower rate)
- Iowa — 1.39% (rank 10)
- Ohio — 1.31% (rank 11)
- Pennsylvania — 1.30% (rank 12)
- Kansas — 1.29% (rank 13)
- Michigan — 1.25% (rank 14)
Wisconsin property tax FAQ
What is the property tax rate in Wisconsin?
The effective property tax rate in Wisconsin is 1.42%. That is 54% above the 0.92% national average, and the state ranks 9th out of 50 when states are ordered from highest rate to lowest.
How much is property tax on a $300,000 home in Wisconsin?
At Wisconsin's effective rate of 1.42%, property tax on a $300,000 home works out to about $4,260 per year, or about $355 per month. At the 0.92% national average, the same home would be about $2,760 per year, so Wisconsin is about $1,500 more per year.
How much is property tax on the median home in Wisconsin?
The median home value in Wisconsin is $266,500, and the median annual property tax is $3,792, which is about $316 per month.
Does the property tax rate vary inside Wisconsin?
Yes. Property taxes are set locally, so actual bills depend on your county, city, and exemptions. The 1.42% figure is a state-level estimate based on medians, not a rate that applies to every home.
Figures are estimates based on Census data and are not tax or financial advice. Actual bills depend on your local rates, assessed value and exemptions.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, as compiled by PropertyShark and PropertyTaxByState.