Total monthly cost of ownership
Cost to Own a Home in Oshkosh, Wisconsin
A $168,000 home here costs
$1,573per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $67,500 a year.
A standard mortgage calculator would have told you $923. The real number is $650 higher every month, 70% more than the payment most buyers budget for.
Compare Winnebago County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Oshkosh against Winnebago County and Wisconsin
| Measure | Oshkosh | Winnebago County |
|---|---|---|
| Median home value | $168,400 | $208,600 |
| Median property tax | $3,291 | $3,573 |
| Effective tax rate | 1.954% | 1.713% |
| Median gross rent | $908 | $924 |
| Population | 66,247 | 171,357 |
The weather behind that power bill
Oshkosh sits in Winnebago County, which averages a high of 81.3°F in its hottest month and a low of 11.1°F in its coldest, with 30.56" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 566 cooling and 7,352 heating degree days, which is what sets the $125 electricity line above.
See the full climate breakdown for Winnebago County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Winnebago County
Full Winnebago County cost breakdown · Every county in Wisconsin
Talk to someone who works this market
These are Oshkosh 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 Oshkosh every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Oshkosh I already own here and may sell
Common questions
How much does it cost to own a home in Oshkosh?
A $168,000 home in Oshkosh, Wisconsin costs approximately $1,573 per month with 20% down at 7.32%. That is $923 principal and interest, $274 property tax, $43 homeowners insurance, $193 utilities and $140 set aside for maintenance.
What is the property tax rate in Oshkosh?
Oshkosh has an effective property tax rate of 1.954%, based on a median home value of $168,400 and median real estate taxes of $3,291. That is higher than the Winnebago County average of 1.713%.
What is the average home price in Oshkosh?
The median owner-occupied home value in Oshkosh, Wisconsin is $168,400, against $208,600 across Winnebago County.
Is it cheaper to rent or buy in Oshkosh?
Median gross rent in Oshkosh is $908 a month, against $1,573 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 Oshkosh?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Oshkosh, Wisconsin at today's rate takes a household income of roughly $67,500 a year. That covers the full $1,573 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Oshkosh, 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.