Total monthly cost of ownership
Cost to Own a Home in Johnson Creek, Wisconsin
A $289,000 home here costs
$2,492per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,486. The real number is $1,007 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.
Johnson Creek against Jefferson County and Wisconsin
| Measure | Johnson Creek | Jefferson County |
|---|---|---|
| Median home value | $289,000 | $253,800 |
| Median property tax | $5,351 | $3,988 |
| Effective tax rate | 1.852% | 1.571% |
| Median gross rent | $1,161 | $1,012 |
| Population | 3,367 | 85,867 |
The weather behind that power bill
Johnson Creek sits in Jefferson County, which averages a high of 82.4°F in its hottest month and a low of 11.0°F in its coldest, with 38.74" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 678 cooling and 7,125 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Johnson Creek?
A $289,000 home in Johnson Creek, Wisconsin costs approximately $2,492 per month with 20% down at 6.66%. That is $1,486 principal and interest, $446 property tax, $74 homeowners insurance, $245 utilities and $241 set aside for maintenance.
What is the property tax rate in Johnson Creek?
Johnson Creek has an effective property tax rate of 1.852%, based on a median home value of $289,000 and median real estate taxes of $5,351. That is higher than the Jefferson County average of 1.571%.
What is the average home price in Johnson Creek?
The median owner-occupied home value in Johnson Creek, Wisconsin is $289,000, against $253,800 across Jefferson County.
Is it cheaper to rent or buy in Johnson Creek?
Median gross rent in Johnson Creek is $1,161 a month, against $2,492 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 Johnson Creek — 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.