Total monthly cost of ownership
Cost to Own a Home in Lodi, Wisconsin
A $287,000 home here costs
$2,525per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,475. The real number is $1,049 higher every month — 71% 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.
Lodi against Columbia County and Wisconsin
| Measure | Lodi | Columbia County |
|---|---|---|
| Median home value | $286,500 | $258,700 |
| Median property tax | $5,877 | $3,826 |
| Effective tax rate | 2.051% | 1.479% |
| Median gross rent | $1,180 | $926 |
| Population | 3,206 | 58,322 |
The weather behind that power bill
Lodi sits in Columbia County, which averages a high of 81.6°F in its hottest month and a low of 9.9°F in its coldest, with 38.32" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 622 cooling and 7,342 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Columbia County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Columbia County
Full Columbia County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Lodi?
A $287,000 home in Lodi, Wisconsin costs approximately $2,525 per month with 20% down at 6.66%. That is $1,475 principal and interest, $491 property tax, $74 homeowners insurance, $245 utilities and $239 set aside for maintenance.
What is the property tax rate in Lodi?
Lodi has an effective property tax rate of 2.051%, based on a median home value of $286,500 and median real estate taxes of $5,877. That is higher than the Columbia County average of 1.479%.
What is the average home price in Lodi?
The median owner-occupied home value in Lodi, Wisconsin is $286,500, against $258,700 across Columbia County.
Is it cheaper to rent or buy in Lodi?
Median gross rent in Lodi is $1,180 a month, against $2,525 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 Lodi — 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.