Total monthly cost of ownership
Cost to Own a Home in Hillsboro, Wisconsin
A $147,000 home here costs
$1,332per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $756. The real number is $577 higher every month — 76% 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.
Hillsboro against Vernon County and Wisconsin
| Measure | Hillsboro | Vernon County |
|---|---|---|
| Median home value | $146,600 | $210,600 |
| Median property tax | $2,044 | $2,883 |
| Effective tax rate | 1.394% | 1.369% |
| Median gross rent | $775 | $826 |
| Population | 1,324 | 30,915 |
The weather behind that power bill
Hillsboro sits in Vernon County, which averages a high of 79.1°F in its hottest month and a low of 6.1°F in its coldest, with 38" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 396 cooling and 8,132 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Vernon County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Vernon County
Full Vernon County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Hillsboro?
A $147,000 home in Hillsboro, Wisconsin costs approximately $1,332 per month with 20% down at 6.66%. That is $756 principal and interest, $171 property tax, $38 homeowners insurance, $245 utilities and $123 set aside for maintenance.
What is the property tax rate in Hillsboro?
Hillsboro has an effective property tax rate of 1.394%, based on a median home value of $146,600 and median real estate taxes of $2,044. That is higher than the Vernon County average of 1.369%.
What is the average home price in Hillsboro?
The median owner-occupied home value in Hillsboro, Wisconsin is $146,600, against $210,600 across Vernon County.
Is it cheaper to rent or buy in Hillsboro?
Median gross rent in Hillsboro is $775 a month, against $1,332 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 Hillsboro — 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.