Total monthly cost of ownership
Cost to Own a Home in Cedarburg, Wisconsin
A $386,000 home here costs
$3,110per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,984. The real number is $1,126 higher every month — 57% 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.
Cedarburg against Ozaukee County and Wisconsin
| Measure | Cedarburg | Ozaukee County |
|---|---|---|
| Median home value | $386,400 | $368,900 |
| Median property tax | $5,517 | $4,629 |
| Effective tax rate | 1.428% | 1.255% |
| Median gross rent | $1,057 | $1,112 |
| Population | 12,317 | 92,345 |
The weather behind that power bill
Cedarburg 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 $177 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
Common questions
How much does it cost to own a home in Cedarburg?
A $386,000 home in Cedarburg, Wisconsin costs approximately $3,110 per month with 20% down at 6.66%. That is $1,984 principal and interest, $459 property tax, $99 homeowners insurance, $245 utilities and $322 set aside for maintenance.
What is the property tax rate in Cedarburg?
Cedarburg has an effective property tax rate of 1.428%, based on a median home value of $386,400 and median real estate taxes of $5,517. That is higher than the Ozaukee County average of 1.255%.
What is the average home price in Cedarburg?
The median owner-occupied home value in Cedarburg, Wisconsin is $386,400, against $368,900 across Ozaukee County.
Is it cheaper to rent or buy in Cedarburg?
Median gross rent in Cedarburg is $1,057 a month, against $3,110 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 Cedarburg — 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.