Total monthly cost of ownership
Cost to Own a Home in Cuba City, Wisconsin
A $176,000 home here costs
$1,608per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $905. The real number is $703 higher every month — 78% 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.
Cuba City against Grant County and Wisconsin
| Measure | Cuba City | Grant County |
|---|---|---|
| Median home value | $176,000 | $186,300 |
| Median property tax | $3,190 | $2,683 |
| Effective tax rate | 1.812% | 1.440% |
| Median gross rent | $754 | $812 |
| Population | 2,094 | 51,678 |
Cuba City extends across 2 counties. Figures here use Grant County, where most of its housing sits.
The weather behind that power bill
Cuba City sits in Grant County, which averages a high of 80.9°F in its hottest month and a low of 8.9°F in its coldest, with 38.49" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 599 cooling and 7,365 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Grant County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grant County
Full Grant County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Cuba City?
A $176,000 home in Cuba City, Wisconsin costs approximately $1,608 per month with 20% down at 6.66%. That is $905 principal and interest, $266 property tax, $45 homeowners insurance, $245 utilities and $147 set aside for maintenance.
What is the property tax rate in Cuba City?
Cuba City has an effective property tax rate of 1.812%, based on a median home value of $176,000 and median real estate taxes of $3,190. That is higher than the Grant County average of 1.440%.
What is the average home price in Cuba City?
The median owner-occupied home value in Cuba City, Wisconsin is $176,000, against $186,300 across Grant County.
Is it cheaper to rent or buy in Cuba City?
Median gross rent in Cuba City is $754 a month, against $1,608 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 Cuba City — 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.