Total monthly cost of ownership
Cost to Own a Home in Fond du Lac, Wisconsin
A $161,000 home here costs
$1,496per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $828. The real number is $669 higher every month — 81% 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.
Fond du Lac against Fond du Lac County and Wisconsin
| Measure | Fond du Lac | Fond du Lac County |
|---|---|---|
| Median home value | $161,300 | $209,800 |
| Median property tax | $2,978 | $3,311 |
| Effective tax rate | 1.846% | 1.578% |
| Median gross rent | $905 | $926 |
| Population | 44,491 | 104,053 |
The weather behind that power bill
Fond du Lac sits in Fond du Lac County, which averages a high of 81.9°F in its hottest month and a low of 11.1°F in its coldest, with 28.39" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 583 cooling and 7,275 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Fond du Lac County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fond du Lac County
Full Fond du Lac County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Fond du Lac?
A $161,000 home in Fond du Lac, Wisconsin costs approximately $1,496 per month with 20% down at 6.66%. That is $828 principal and interest, $248 property tax, $41 homeowners insurance, $245 utilities and $134 set aside for maintenance.
What is the property tax rate in Fond du Lac?
Fond du Lac has an effective property tax rate of 1.846%, based on a median home value of $161,300 and median real estate taxes of $2,978. That is higher than the Fond du Lac County average of 1.578%.
What is the average home price in Fond du Lac?
The median owner-occupied home value in Fond du Lac, Wisconsin is $161,300, against $209,800 across Fond du Lac County.
Is it cheaper to rent or buy in Fond du Lac?
Median gross rent in Fond du Lac is $905 a month, against $1,496 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 Fond du Lac — 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.