Wisconsin Mortgage Calculator
Wisconsin has the 10th-highest effective property tax rate of the 50 states at 1.32% — $1,394 more a year than the 0.91% state average on a $340,000 home. Homeowners insurance averages $1,812 a year, the 15th-lowest premium nationally and $908 less than the typical state.
All 72 Wisconsin counties use the $832,750 baseline conforming limit for 2026, so any one-unit loan above it is a jumbo loan. FHA limits run from $541,287 to $832,750 by county.
On a $340,000 home, property tax and insurance add $525 a month in Wisconsin, compared with $511 in Minnesota, $581 in Michigan, $619 in Iowa, $753 in Illinois.
Loan Parameters
Total Monthly Payment
$2,751
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$429,122
Total Cost
$942,482
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $24,504 | $3,090 | $21,413 | $2,203 | $302,910 | $37,090 |
| Year 2 | $24,504 | $3,315 | $21,189 | $2,203 | $299,595 | $40,405 |
| Year 3 | $24,504 | $3,555 | $20,948 | $2,203 | $296,039 | $43,961 |
| Year 4 | $24,504 | $3,814 | $20,690 | $2,203 | $292,226 | $47,774 |
| Year 5 | $24,504 | $4,091 | $20,413 | $2,203 | $288,135 | $51,865 |
| Year 6 | $24,504 | $4,388 | $20,116 | $2,203 | $283,748 | $56,252 |
| Year 7 | $24,504 | $4,706 | $19,798 | $2,203 | $279,041 | $60,959 |
| Year 8 | $24,504 | $5,048 | $19,456 | $2,203 | $273,994 | $66,006 |
| Year 9 | $24,504 | $5,414 | $19,090 | $734 | $268,579 | $71,421 |
| Year 10 | $24,504 | $5,808 | $18,696 | — | $262,772 | $77,228 |
| Year 11 | $24,504 | $6,229 | $18,275 | — | $256,542 | $83,458 |
| Year 12 | $24,504 | $6,682 | $17,822 | — | $249,861 | $90,139 |
| Year 13 | $24,504 | $7,167 | $17,337 | — | $242,694 | $97,306 |
| Year 14 | $24,504 | $7,687 | $16,817 | — | $235,007 | $104,993 |
| Year 15 | $24,504 | $8,245 | $16,259 | — | $226,762 | $113,238 |
| Year 16 | $24,504 | $8,844 | $15,660 | — | $217,918 | $122,082 |
| Year 17 | $24,504 | $9,486 | $15,018 | — | $208,432 | $131,568 |
| Year 18 | $24,504 | $10,175 | $14,329 | — | $198,257 | $141,743 |
| Year 19 | $24,504 | $10,914 | $13,590 | — | $187,344 | $152,656 |
| Year 20 | $24,504 | $11,706 | $12,798 | — | $175,638 | $164,362 |
| Year 21 | $24,504 | $12,556 | $11,948 | — | $163,082 | $176,918 |
| Year 22 | $24,504 | $13,468 | $11,036 | — | $149,614 | $190,386 |
| Year 23 | $24,504 | $14,446 | $10,058 | — | $135,169 | $204,831 |
| Year 24 | $24,504 | $15,494 | $9,009 | — | $119,674 | $220,326 |
| Year 25 | $24,504 | $16,620 | $7,884 | — | $103,055 | $236,945 |
| Year 26 | $24,504 | $17,826 | $6,678 | — | $85,228 | $254,772 |
| Year 27 | $24,504 | $19,121 | $5,383 | — | $66,108 | $273,892 |
| Year 28 | $24,504 | $20,509 | $3,995 | — | $45,599 | $294,401 |
| Year 29 | $24,504 | $21,998 | $2,506 | — | $23,601 | $316,399 |
| Year 30 | $24,509 | $23,601 | $909 | — | $0 | $340,000 |
Wisconsin mortgage data
- Typical home value
- $339,699
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 1.32%
- $4,488/yr on a $340,000 home
- Average homeowners insurance
- $1,812/yr
- $151/mo
- 2026 conforming loan limit
- $832,750
- 72 counties
- High-cost counties
- 0
- None — baseline limit statewide
- 2026 FHA loan limit (1-unit)
- $541,287 – $832,750
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
How much house can you afford in Wisconsin?
Highest price where principal, interest, Wisconsin property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $132,000 | $13,200 | 39% |
| $75,000 | $1,750 | $209,000 | $20,900 | 62% |
| $100,000 | $2,333 | $285,000 | $28,500 | 84% |
| $125,000 | $2,917 | $361,000 | $36,100 | 106% |
| $150,000 | $3,500 | $438,000 | $43,800 | 129% |
| $200,000 | $4,667 | $590,000 | $59,000 | 174% |
| $250,000 | $5,833 | $743,000 | $74,300 | 219% |
Wisconsin mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with Wisconsin property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,358 | $59,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,559 | $67,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,761 | $76,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,962 | $85,000 | Conforming |
| $250,000 mortgage | $1,668 | $2,163 | $93,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,364 | $102,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,565 | $110,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,767 | $119,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,968 | $128,000 | Conforming |
| $375,000 mortgage | $2,502 | $3,169 | $136,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,370 | $145,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,571 | $154,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,773 | $162,000 | Conforming |
| $475,000 mortgage | $3,170 | $3,974 | $171,000 | Conforming |
| $500,000 mortgage | $3,337 | $4,175 | $179,000 | Conforming |
| $525,000 mortgage | $3,503 | $4,376 | $188,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,578 | $197,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,779 | $205,000 | Conforming |
| $600,000 mortgage | $4,004 | $4,980 | $214,000 | Conforming |
| $625,000 mortgage | $4,171 | $5,181 | $223,000 | Conforming |
| $650,000 mortgage | $4,338 | $5,382 | $231,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,584 | $240,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,785 | $248,000 | Conforming |
| $725,000 mortgage | $4,838 | $5,986 | $257,000 | Conforming |
| $750,000 mortgage | $5,005 | $6,187 | $266,000 | Conforming |
| $775,000 mortgage | $5,172 | $6,388 | $274,000 | Conforming |
| $800,000 mortgage | $5,339 | $6,590 | $283,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,791 | $292,000 | Conforming |
| $850,000 mortgage | $5,672 | $6,992 | $300,000 | Jumbo |
| $875,000 mortgage | $5,839 | $7,193 | $309,000 | Jumbo |
| $900,000 mortgage | $6,006 | $7,394 | $317,000 | Jumbo |
| $925,000 mortgage | $6,173 | $7,596 | $326,000 | Jumbo |
| $950,000 mortgage | $6,340 | $7,797 | $335,000 | Jumbo |
| $975,000 mortgage | $6,506 | $7,998 | $343,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $8,199 | $352,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $9,004 | $386,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $9,809 | $421,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $10,614 | $455,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $11,418 | $490,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $12,223 | $524,000 | Jumbo |
Loan programs compared in Wisconsin
$340,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $34,000 | $306,000 | — | $184 PMI | $2,751 | 7.488% |
| FHA | 3.5% · $11,900 | $333,842 | UFMIP $5,742 | $152 MIP | $2,905 | 7.761% |
| VA | 0% · $0 | $347,310 | Funding fee $7,310 | $0 | $2,843 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $68,000 | $272,000 | — | $0 | $2,340 | 7.030% |
Frequently asked questions
What is the monthly mortgage payment on a $340,000 home in Wisconsin?
$340,000 is the typical Wisconsin home value. With 10% down on a conventional loan, the estimated payment is $2,751 per month ($2,042 principal & interest, $374 property tax, $151 insurance, $184 PMI) at 7.03% for 30 years, including Wisconsin's 1.32% effective property tax rate.
What is the 2026 conforming loan limit in Wisconsin?
$832,750 for a one-unit home in all 72 counties. Larger loans are jumbo loans.
How much income do I need for a $340,000 home in Wisconsin?
About $118,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in Wisconsin on a $100,000 salary?
About $285,000 with 10% down, keeping the payment (including Wisconsin property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical Wisconsin home ($339,699) needs roughly $118,000 a year.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.