Total monthly cost of ownership
Cost to Own a Home in Ellsworth, Wisconsin
A $229,000 home here costs
$1,978per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,177. The real number is $801 higher every month — 68% 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.
Ellsworth against Pierce County and Wisconsin
| Measure | Ellsworth | Pierce County |
|---|---|---|
| Median home value | $229,400 | $308,600 |
| Median property tax | $3,672 | $4,552 |
| Effective tax rate | 1.601% | 1.475% |
| Median gross rent | $926 | $1,025 |
| Population | 3,323 | 42,351 |
The weather behind that power bill
Ellsworth sits in Pierce County, which averages a high of 79.5°F in its hottest month and a low of 2.4°F in its coldest, with 35.94" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 347 cooling and 8,580 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Pierce County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pierce County
Full Pierce County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Ellsworth?
A $229,000 home in Ellsworth, Wisconsin costs approximately $1,978 per month with 20% down at 6.66%. That is $1,177 principal and interest, $306 property tax, $59 homeowners insurance, $245 utilities and $191 set aside for maintenance.
What is the property tax rate in Ellsworth?
Ellsworth has an effective property tax rate of 1.601%, based on a median home value of $229,400 and median real estate taxes of $3,672. That is higher than the Pierce County average of 1.475%.
What is the average home price in Ellsworth?
The median owner-occupied home value in Ellsworth, Wisconsin is $229,400, against $308,600 across Pierce County.
Is it cheaper to rent or buy in Ellsworth?
Median gross rent in Ellsworth is $926 a month, against $1,978 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 Ellsworth — 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.