Total monthly cost of ownership
Cost to Own a Home in Johnson Creek, Wisconsin
A $289,000 home here costs
$2,530per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $108,500 a year.
A standard mortgage calculator would have told you $1,576. The real number is $954 higher every month, 61% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Johnson Creek from a five-year rolling sample, and with about 3,367 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Jefferson County figures are drawn from a far larger sample if you want a steadier number.
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 $125 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
Talk to someone who works this market
These are Johnson Creek averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Johnson Creek every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Johnson Creek I already own here and may sell
Common questions
How much does it cost to own a home in Johnson Creek?
A $289,000 home in Johnson Creek, Wisconsin costs approximately $2,530 per month with 20% down at 7.24%. That is $1,576 principal and interest, $446 property tax, $74 homeowners insurance, $193 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 $2,530 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Johnson Creek?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Johnson Creek, Wisconsin at today's rate takes a household income of roughly $108,500 a year. That covers the full $2,530 monthly cost, not just the mortgage payment.
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.