Total monthly cost of ownership
Cost to Own a Home in Combined Locks, Wisconsin
A $236,000 home here costs
$2,094per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $90,000 a year.
A standard mortgage calculator would have told you $1,307. The real number is $787 higher every month, 60% more than the payment most buyers budget for.
Compare Outagamie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Combined Locks from a five-year rolling sample, and with about 3,633 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 Outagamie 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.
Combined Locks against Outagamie County and Wisconsin
| Measure | Combined Locks | Outagamie County |
|---|---|---|
| Median home value | $235,800 | $244,100 |
| Median property tax | $4,064 | $3,580 |
| Effective tax rate | 1.723% | 1.467% |
| Median gross rent | $1,081 | $998 |
| Population | 3,633 | 191,537 |
The weather behind that power bill
Combined Locks sits in Outagamie County, which averages a high of 81.0°F in its hottest month and a low of 11.1°F in its coldest, with 31.61" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 508 cooling and 7,505 heating degree days, which is what sets the $123 electricity line above.
See the full climate breakdown for Outagamie County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Outagamie County
Full Outagamie County cost breakdown · Every county in Wisconsin
Talk to someone who works this market
These are Combined Locks 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 Combined Locks every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Combined Locks I already own here and may sell
Common questions
How much does it cost to own a home in Combined Locks?
A $236,000 home in Combined Locks, Wisconsin costs approximately $2,094 per month with 20% down at 7.4%. That is $1,307 principal and interest, $339 property tax, $61 homeowners insurance, $191 utilities and $197 set aside for maintenance.
What is the property tax rate in Combined Locks?
Combined Locks has an effective property tax rate of 1.723%, based on a median home value of $235,800 and median real estate taxes of $4,064. That is higher than the Outagamie County average of 1.467%.
What is the average home price in Combined Locks?
The median owner-occupied home value in Combined Locks, Wisconsin is $235,800, against $244,100 across Outagamie County.
Is it cheaper to rent or buy in Combined Locks?
Median gross rent in Combined Locks is $1,081 a month, against $2,094 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 Combined Locks?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Combined Locks, Wisconsin at today's rate takes a household income of roughly $90,000 a year. That covers the full $2,094 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Combined Locks, 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.