Total monthly cost of ownership
Cost to Own a Home in Oconto Falls, Wisconsin
A $145,000 home here costs
$1,370per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $745. The real number is $625 higher every month — 84% 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.
Oconto Falls against Oconto County and Wisconsin
| Measure | Oconto Falls | Oconto County |
|---|---|---|
| Median home value | $145,100 | $212,000 |
| Median property tax | $2,655 | $2,651 |
| Effective tax rate | 1.830% | 1.250% |
| Median gross rent | $670 | $796 |
| Population | 2,979 | 39,329 |
The weather behind that power bill
Oconto Falls sits in Oconto County, which averages a high of 78.8°F in its hottest month and a low of 5.1°F in its coldest, with 32.08" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 302 cooling and 8,415 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Oconto County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Oconto County
Full Oconto County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Oconto Falls?
A $145,000 home in Oconto Falls, Wisconsin costs approximately $1,370 per month with 20% down at 6.66%. That is $745 principal and interest, $221 property tax, $37 homeowners insurance, $245 utilities and $121 set aside for maintenance.
What is the property tax rate in Oconto Falls?
Oconto Falls has an effective property tax rate of 1.830%, based on a median home value of $145,100 and median real estate taxes of $2,655. That is higher than the Oconto County average of 1.250%.
What is the average home price in Oconto Falls?
The median owner-occupied home value in Oconto Falls, Wisconsin is $145,100, against $212,000 across Oconto County.
Is it cheaper to rent or buy in Oconto Falls?
Median gross rent in Oconto Falls is $670 a month, against $1,370 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 Oconto Falls — 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.