Total monthly cost of ownership
Cost to Own a Home in Belgium, Wisconsin
A $238,000 home here costs
$2,027per 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 $87,000 a year.
A standard mortgage calculator would have told you $1,298. The real number is $729 higher every month, 56% more than the payment most buyers budget for.
Compare Ozaukee County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Belgium from a five-year rolling sample, and with about 2,648 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 Ozaukee 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.
Belgium against Ozaukee County and Wisconsin
| Measure | Belgium | Ozaukee County |
|---|---|---|
| Median home value | $237,900 | $368,900 |
| Median property tax | $3,319 | $4,629 |
| Effective tax rate | 1.395% | 1.255% |
| Median gross rent | $877 | $1,112 |
| Population | 2,648 | 92,345 |
The weather behind that power bill
Belgium sits in Ozaukee County, which averages a high of 79.5°F in its hottest month and a low of 11.2°F in its coldest, with 31.88" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 390 cooling and 7,603 heating degree days, which is what sets the $125 electricity line above.
See the full climate breakdown for Ozaukee County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ozaukee County
Full Ozaukee County cost breakdown · Every county in Wisconsin
Talk to someone who works this market
These are Belgium 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 Belgium every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Belgium I already own here and may sell
Common questions
How much does it cost to own a home in Belgium?
A $238,000 home in Belgium, Wisconsin costs approximately $2,027 per month with 20% down at 7.24%. That is $1,298 principal and interest, $277 property tax, $61 homeowners insurance, $193 utilities and $198 set aside for maintenance.
What is the property tax rate in Belgium?
Belgium has an effective property tax rate of 1.395%, based on a median home value of $237,900 and median real estate taxes of $3,319. That is higher than the Ozaukee County average of 1.255%.
What is the average home price in Belgium?
The median owner-occupied home value in Belgium, Wisconsin is $237,900, against $368,900 across Ozaukee County.
Is it cheaper to rent or buy in Belgium?
Median gross rent in Belgium is $877 a month, against $2,027 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 Belgium?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Belgium, Wisconsin at today's rate takes a household income of roughly $87,000 a year. That covers the full $2,027 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Belgium, 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.