Total monthly cost of ownership
Cost to Own a Home in Rhinelander, Wisconsin
A $123,000 home here costs
$1,174per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $632. The real number is $542 higher every month — 86% 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.
Rhinelander against Oneida County and Wisconsin
| Measure | Rhinelander | Oneida County |
|---|---|---|
| Median home value | $123,300 | $227,500 |
| Median property tax | $1,952 | $2,146 |
| Effective tax rate | 1.583% | 0.943% |
| Median gross rent | $818 | $868 |
| Population | 8,248 | 38,007 |
The weather behind that power bill
Rhinelander sits in Oneida County, which averages a high of 79.7°F in its hottest month and a low of 3.7°F in its coldest, with 29.63" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 283 cooling and 8,832 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Oneida County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Oneida County
No other places of this size are published in Oneida County.
Full Oneida County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Rhinelander?
A $123,000 home in Rhinelander, Wisconsin costs approximately $1,174 per month with 20% down at 6.66%. That is $632 principal and interest, $162 property tax, $32 homeowners insurance, $245 utilities and $103 set aside for maintenance.
What is the property tax rate in Rhinelander?
Rhinelander has an effective property tax rate of 1.583%, based on a median home value of $123,300 and median real estate taxes of $1,952. That is higher than the Oneida County average of 0.943%.
What is the average home price in Rhinelander?
The median owner-occupied home value in Rhinelander, Wisconsin is $123,300, against $227,500 across Oneida County.
Is it cheaper to rent or buy in Rhinelander?
Median gross rent in Rhinelander is $818 a month, against $1,174 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 Rhinelander — 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.