Total monthly cost of ownership
Cost to Own a Home in Chain O' Lakes, Wisconsin
A $663,000 home here costs
$5,089per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,408. The real number is $1,680 higher every month — 49% 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.
Chain O' Lakes against Waupaca County and Wisconsin
| Measure | Chain O' Lakes | Waupaca County |
|---|---|---|
| Median home value | $662,700 | $192,800 |
| Median property tax | $8,533 | $2,876 |
| Effective tax rate | 1.288% | 1.492% |
| Median gross rent | $730 | $834 |
| Population | 1,006 | 51,714 |
The weather behind that power bill
Chain O' Lakes sits in Waupaca County, which averages a high of 82.0°F in its hottest month and a low of 7.6°F in its coldest, with 33.81" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 495 cooling and 7,831 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Waupaca County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Waupaca County
Full Waupaca County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Chain O' Lakes?
A $663,000 home in Chain O' Lakes, Wisconsin costs approximately $5,089 per month with 20% down at 6.66%. That is $3,408 principal and interest, $712 property tax, $171 homeowners insurance, $245 utilities and $553 set aside for maintenance.
What is the property tax rate in Chain O' Lakes?
Chain O' Lakes has an effective property tax rate of 1.288%, based on a median home value of $662,700 and median real estate taxes of $8,533. That is lower than the Waupaca County average of 1.492%.
What is the average home price in Chain O' Lakes?
The median owner-occupied home value in Chain O' Lakes, Wisconsin is $662,700, against $192,800 across Waupaca County.
Is it cheaper to rent or buy in Chain O' Lakes?
Median gross rent in Chain O' Lakes is $730 a month, against $5,089 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 Chain O' Lakes — 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.