Total monthly cost of ownership
Cost to Own a Home in Elroy, Wisconsin
A $121,000 home here costs
$1,190per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $622. The real number is $568 higher every month — 91% 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.
Elroy against Juneau County and Wisconsin
| Measure | Elroy | Juneau County |
|---|---|---|
| Median home value | $120,500 | $165,200 |
| Median property tax | $2,279 | $2,517 |
| Effective tax rate | 1.891% | 1.524% |
| Median gross rent | $918 | $847 |
| Population | 1,529 | 26,695 |
The weather behind that power bill
Elroy sits in Juneau County, which averages a high of 80.9°F in its hottest month and a low of 7.6°F in its coldest, with 34.46" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 489 cooling and 7,639 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Juneau County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Juneau County
Full Juneau County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Elroy?
A $121,000 home in Elroy, Wisconsin costs approximately $1,190 per month with 20% down at 6.66%. That is $622 principal and interest, $191 property tax, $31 homeowners insurance, $245 utilities and $101 set aside for maintenance.
What is the property tax rate in Elroy?
Elroy has an effective property tax rate of 1.891%, based on a median home value of $120,500 and median real estate taxes of $2,279. That is higher than the Juneau County average of 1.524%.
What is the average home price in Elroy?
The median owner-occupied home value in Elroy, Wisconsin is $120,500, against $165,200 across Juneau County.
Is it cheaper to rent or buy in Elroy?
Median gross rent in Elroy is $918 a month, against $1,190 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 Elroy — 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.