Total monthly cost of ownership
Cost to Own a Home in Black River Falls, Wisconsin
A $152,000 home here costs
$1,430per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $781. The real number is $648 higher every month — 83% 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.
Black River Falls against Jackson County and Wisconsin
| Measure | Black River Falls | Jackson County |
|---|---|---|
| Median home value | $152,300 | $186,900 |
| Median property tax | $2,849 | $2,672 |
| Effective tax rate | 1.871% | 1.430% |
| Median gross rent | $718 | $789 |
| Population | 3,514 | 20,971 |
The weather behind that power bill
Black River Falls sits in Jackson 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 Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
No other places of this size are published in Jackson County.
Full Jackson County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Black River Falls?
A $152,000 home in Black River Falls, Wisconsin costs approximately $1,430 per month with 20% down at 6.66%. That is $781 principal and interest, $237 property tax, $39 homeowners insurance, $245 utilities and $127 set aside for maintenance.
What is the property tax rate in Black River Falls?
Black River Falls has an effective property tax rate of 1.871%, based on a median home value of $152,300 and median real estate taxes of $2,849. That is higher than the Jackson County average of 1.430%.
What is the average home price in Black River Falls?
The median owner-occupied home value in Black River Falls, Wisconsin is $152,300, against $186,900 across Jackson County.
Is it cheaper to rent or buy in Black River Falls?
Median gross rent in Black River Falls is $718 a month, against $1,430 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 Black River Falls — 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.