Total monthly cost of ownership
Cost to Own a Home in Baraboo, Wisconsin
A $202,000 home here costs
$1,809per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,038. The real number is $771 higher every month — 74% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Baraboo against Sauk County and Wisconsin
| Measure | Baraboo | Sauk County |
|---|---|---|
| Median home value | $201,800 | $242,400 |
| Median property tax | $3,657 | $3,646 |
| Effective tax rate | 1.812% | 1.504% |
| Median gross rent | $926 | $970 |
| Population | 12,506 | 65,759 |
The weather behind that power bill
Baraboo sits in Sauk County, which averages a high of 80.9°F in its hottest month and a low of 7.6°F in its coldest, with 34.46" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 489 cooling and 7,639 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Sauk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sauk County
Common questions
How much does it cost to own a home in Baraboo?
A $202,000 home in Baraboo, Wisconsin costs approximately $1,809 per month with 20% down at 6.66%. That is $1,038 principal and interest, $305 property tax, $52 homeowners insurance, $245 utilities and $168 set aside for maintenance.
What is the property tax rate in Baraboo?
Baraboo has an effective property tax rate of 1.812%, based on a median home value of $201,800 and median real estate taxes of $3,657. That is higher than the Sauk County average of 1.504%.
What is the average home price in Baraboo?
The median owner-occupied home value in Baraboo, Wisconsin is $201,800, against $242,400 across Sauk County.
Is it cheaper to rent or buy in Baraboo?
Median gross rent in Baraboo is $926 a month, against $1,809 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Baraboo — 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.