Total monthly cost of ownership
Cost to Own a Home in Hilbert, Wisconsin
A $154,000 home here costs
$1,466per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $792. The real number is $674 higher every month — 85% 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.
Hilbert against Calumet County and Wisconsin
| Measure | Hilbert | Calumet County |
|---|---|---|
| Median home value | $154,200 | $252,100 |
| Median property tax | $3,136 | $3,830 |
| Effective tax rate | 2.034% | 1.519% |
| Median gross rent | $1,003 | $1,002 |
| Population | 1,117 | 52,626 |
The weather behind that power bill
Hilbert sits in Calumet County, which averages a high of 81.6°F in its hottest month and a low of 9.9°F in its coldest, with 33.85" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 556 cooling and 7,552 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Calumet County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Calumet County
Full Calumet County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Hilbert?
A $154,000 home in Hilbert, Wisconsin costs approximately $1,466 per month with 20% down at 6.66%. That is $792 principal and interest, $261 property tax, $40 homeowners insurance, $245 utilities and $128 set aside for maintenance.
What is the property tax rate in Hilbert?
Hilbert has an effective property tax rate of 2.034%, based on a median home value of $154,200 and median real estate taxes of $3,136. That is higher than the Calumet County average of 1.519%.
What is the average home price in Hilbert?
The median owner-occupied home value in Hilbert, Wisconsin is $154,200, against $252,100 across Calumet County.
Is it cheaper to rent or buy in Hilbert?
Median gross rent in Hilbert is $1,003 a month, against $1,466 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 Hilbert — 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.