Total monthly cost of ownership
Cost to Own a Home in Lake Delton, Wisconsin
A $144,000 home here costs
$1,243per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $740. The real number is $502 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.
Lake Delton against Sauk County and Wisconsin
| Measure | Lake Delton | Sauk County |
|---|---|---|
| Median home value | $144,100 | $242,400 |
| Median property tax | $1,197 | $3,646 |
| Effective tax rate | 0.831% | 1.504% |
| Median gross rent | $980 | $970 |
| Population | 3,522 | 65,759 |
The weather behind that power bill
Lake Delton sits in Sauk County, which averages a high of 80.9°F in its hottest month and a low of 7.6°F in its coldest, with 34.46" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 489 cooling and 7,639 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Sauk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sauk County
Common questions
How much does it cost to own a home in Lake Delton?
A $144,000 home in Lake Delton, Wisconsin costs approximately $1,243 per month with 20% down at 6.66%. That is $740 principal and interest, $100 property tax, $37 homeowners insurance, $245 utilities and $120 set aside for maintenance.
What is the property tax rate in Lake Delton?
Lake Delton has an effective property tax rate of 0.831%, based on a median home value of $144,100 and median real estate taxes of $1,197. That is lower than the Sauk County average of 1.504%.
What is the average home price in Lake Delton?
The median owner-occupied home value in Lake Delton, Wisconsin is $144,100, against $242,400 across Sauk County.
Is it cheaper to rent or buy in Lake Delton?
Median gross rent in Lake Delton is $980 a month, against $1,243 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 Lake Delton — 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.