United States · Wisconsin

Wisconsin mortgage calculator

Estimate your monthly payment in Wisconsin — principal & interest, property tax, and insurance — using the live national average rate and Wisconsin's estimated ~1.73% effective property tax rate. Adjust any figure below.

Affording a home in Wisconsin

Stretched

Median home price: $278,000
Income needed: $80,000; to qualify (28% rule, 20% down)
Typical household income: $70,000
Income gap: +$10,000

A median Wisconsin home costs $278k and needs $10k more annual income than the typical household earns.

Data as of 2026-06-30. Sources: Zillow ZHVI, U.S. Census ACS, Splitero. Median is a statewide figure — expensive cities and more affordable rural areas vary widely.

A single median income can qualify in Wisconsin — here's what that looks like

The typical Wisconsin household earns $70,000/year. To buy a median-priced home here, lenders generally want to see $80,000/year — which a single median income can cover. Wisconsin is one of the more accessible markets in the country right now.

The roles and income paths that commonly reach it in Wisconsin are listed below — some single high-earning roles, some two incomes combined.

Roles and income paths that commonly meet the income in Wisconsin

Nurse
Teacher
Engineer
Government worker

Pay varies widely by employer, experience, and city — these are paths that often (not always) reach the income needed, not a guarantee for any individual. Entries like “+ partner income” mean two incomes combined.

First-time buyer programs available in Wisconsin

WHEDA Advantage Conventional
WHEDA Easy Close DPA

Programs and their terms change — verify current availability and eligibility with the official state housing agency before relying on any of these.

What makes Wisconsin legally different for homebuyers

Wisconsin provides a 12-month post-sale redemption period for most residential properties — one of the longer ones in the country. Wisconsin homeowners insurance rose ~29% in 2026 due to increasing severe storm exposure, particularly from Great Lakes weather systems.

If you buy here

Wisconsin's judicial foreclosure with 12-month redemption provides meaningful protection if you ever fall into financial difficulty. On the flip side, this same lengthy process means buying foreclosed properties in Wisconsin comes with a year-long period of ownership uncertainty.

Foreclosure: both, ~12 mo
Post-sale redemption: 12 months (6 months if abandoned; can be waived by agreement)
Anti-deficiency protection: No

General overview only — laws change and individual situations vary. Consult a real estate attorney for advice specific to your purchase. (Verified 2026-06-30.)

A clean, printable one-page summary — free, no account needed.

Loan details

Understanding your numbers before you sign.

A mortgage is likely the largest financial commitment of your life. The Mortgage Ledger was built so you can explore what that commitment actually looks like — payment by payment, line by line — before you're sitting across from a lender.

Rates sourced from FRED (Federal Reserve Bank of St. Louis). Estimates only — not a loan offer.

Enter loan details to see your payment.

Save & share

Save scenarios to compare them later — they stay in this browser.

Compare scenarios

Save a scenario above, then compare it side by side with your current inputs here.

Mortgage rate trend

Past year, weekly national average

Loading rate history…

Phase 2 preview of the new country-first structure — not yet indexed. The live site is running unchanged.