Wisconsin Mortgage Calculator (2026)
Calculate your monthly payment with Wisconsin-specific property tax (1.85%) and average insurance ($1,090/yr).
Monthly payment
Payment breakdown
Loan summary
Amortization schedule (first 12 + every 12 months)
| Month | Principal | Interest | PMI/MIP | Balance |
|---|---|---|---|---|
| 1 | $252.30 | $1,795.50 | $128.25 | $307,548 |
| 2 | $253.77 | $1,794.03 | $128.25 | $307,294 |
| 3 | $255.25 | $1,792.55 | $128.25 | $307,039 |
| 4 | $256.74 | $1,791.06 | $128.25 | $306,782 |
| 5 | $258.24 | $1,789.56 | $128.25 | $306,524 |
| 6 | $259.75 | $1,788.05 | $128.25 | $306,264 |
| 7 | $261.26 | $1,786.54 | $128.25 | $306,003 |
| 8 | $262.79 | $1,785.02 | $128.25 | $305,740 |
| 9 | $264.32 | $1,783.48 | $128.25 | $305,476 |
| 10 | $265.86 | $1,781.94 | $128.25 | $305,210 |
| 11 | $267.41 | $1,780.39 | $128.25 | $304,942 |
| 12 | $268.97 | $1,778.83 | $128.25 | $304,673 |
| 24 | $288.41 | $1,759.39 | $128.25 | $301,321 |
| 36 | $309.26 | $1,738.54 | $128.25 | $297,726 |
| 48 | $331.62 | $1,716.18 | $128.25 | $293,871 |
| 60 | $355.59 | $1,692.21 | $128.25 | $289,737 |
| 72 | $381.30 | $1,666.50 | $128.25 | $285,305 |
| 84 | $408.86 | $1,638.94 | $128.25 | $280,552 |
| 96 | $438.42 | $1,609.38 | $128.25 | $275,455 |
| 108 | $470.11 | $1,577.69 | $128.25 | $269,990 |
| 120 | $504.10 | $1,543.70 | — | $264,131 |
| 132 | $540.54 | $1,507.26 | — | $257,847 |
| 144 | $579.62 | $1,468.18 | — | $251,109 |
| 156 | $621.52 | $1,426.28 | — | $243,884 |
| 168 | $666.45 | $1,381.35 | — | $236,137 |
| 180 | $714.62 | $1,333.18 | — | $227,830 |
| 192 | $766.28 | $1,281.52 | — | $218,922 |
| 204 | $821.68 | $1,226.12 | — | $209,371 |
| 216 | $881.08 | $1,166.72 | — | $199,129 |
| 228 | $944.77 | $1,103.03 | — | $188,146 |
| 240 | $1,013.07 | $1,034.73 | — | $176,370 |
| 252 | $1,086.30 | $961.50 | — | $163,742 |
| 264 | $1,164.83 | $882.97 | — | $150,201 |
| 276 | $1,249.04 | $798.76 | — | $135,682 |
| 288 | $1,339.33 | $708.47 | — | $120,113 |
| 300 | $1,436.15 | $611.65 | — | $103,418 |
| 312 | $1,539.97 | $507.83 | — | $85,517 |
| 324 | $1,651.30 | $396.51 | — | $66,321 |
| 336 | $1,770.67 | $277.13 | — | $45,738 |
| 348 | $1,898.67 | $149.13 | — | $23,667 |
| 360 | $2,035.92 | $11.88 | — | $0 |
What the payment actually costs
Wisconsin property tax averages 1.85% of value — 6th highest of 51 states, against a national average near 1.10%. On a $400,000 home that is about $7,400 a year, or $617 a month added to principal and interest.
Homeowners insurance runs about $1,090 a year in Wisconsin, 47th of 51 states and below the $1,552 national average. Together, tax and insurance add roughly $708 a month to the payment before you have paid a dollar of principal.
How this fits the rest of your tax bill
Wisconsin taxes both income and property, so neither side offsets the other. Property tax at 1.85% ranks 6th of 51, and state income tax applies on top. Model both together when comparing against a no-income-tax state, because the comparison flips depending on how much house you buy relative to what you earn.
Housing costs compound with the rate. Wisconsin runs about 7% below national-average costs, so the same 1.85% rate applies to a smaller assessed value than it would elsewhere. A percentage rate is only half the number that matters; the base it applies to is the other half.
Property tax rates are effective statewide averages; your county assessor sets the actual figure and it varies widely within a state. See our methodology.