Total monthly cost of ownership
Cost to Own a Home in Adams, Wisconsin
A $101,000 home here costs
$964per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $41,500 a year.
A standard mortgage calculator would have told you $551. The real number is $413 higher every month, 75% more than the payment most buyers budget for.
Compare Adams County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Adams from a five-year rolling sample, and with about 2,144 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Adams County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Adams against Adams County and Wisconsin
| Measure | Adams | Adams County |
|---|---|---|
| Median home value | $101,200 | $184,500 |
| Median property tax | $1,321 | $2,397 |
| Effective tax rate | 1.305% | 1.299% |
| Median gross rent | $701 | $789 |
| Population | 2,144 | 20,928 |
The weather behind that power bill
Adams sits in Adams County, which averages a high of 82.3°F in its hottest month and a low of 6.0°F in its coldest, with 35.1" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 547 cooling and 7,811 heating degree days, which is what sets the $125 electricity line above.
See the full climate breakdown for Adams County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Adams County
Full Adams County cost breakdown · Every county in Wisconsin
Talk to someone who works this market
These are Adams averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Adams every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Adams?
A $101,000 home in Adams, Wisconsin costs approximately $964 per month with 20% down at 7.24%. That is $551 principal and interest, $110 property tax, $26 homeowners insurance, $193 utilities and $84 set aside for maintenance.
What is the property tax rate in Adams?
Adams has an effective property tax rate of 1.305%, based on a median home value of $101,200 and median real estate taxes of $1,321. That is in line with the Adams County average of 1.299%.
What is the average home price in Adams?
The median owner-occupied home value in Adams, Wisconsin is $101,200, against $184,500 across Adams County.
Is it cheaper to rent or buy in Adams?
Median gross rent in Adams is $701 a month, against $964 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Adams?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Adams, Wisconsin at today's rate takes a household income of roughly $41,500 a year. That covers the full $964 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Adams, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Wisconsin.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.