Total monthly cost of ownership
Cost to Own a Home in St. Croix Falls, Wisconsin
A $217,000 home here costs
$1,845per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,116. The real number is $730 higher every month — 65% 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.
St. Croix Falls against Polk County and Wisconsin
| Measure | St. Croix Falls | Polk County |
|---|---|---|
| Median home value | $216,500 | $241,200 |
| Median property tax | $2,964 | $2,947 |
| Effective tax rate | 1.369% | 1.222% |
| Median gross rent | $864 | $958 |
| Population | 2,469 | 45,327 |
The weather behind that power bill
St. Croix Falls sits in Polk County, which averages a high of 80.8°F in its hottest month and a low of 4.6°F in its coldest, with 32.89" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 500 cooling and 8,078 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Polk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Polk County
Common questions
How much does it cost to own a home in St. Croix Falls?
A $217,000 home in St. Croix Falls, Wisconsin costs approximately $1,845 per month with 20% down at 6.66%. That is $1,116 principal and interest, $248 property tax, $56 homeowners insurance, $245 utilities and $181 set aside for maintenance.
What is the property tax rate in St. Croix Falls?
St. Croix Falls has an effective property tax rate of 1.369%, based on a median home value of $216,500 and median real estate taxes of $2,964. That is higher than the Polk County average of 1.222%.
What is the average home price in St. Croix Falls?
The median owner-occupied home value in St. Croix Falls, Wisconsin is $216,500, against $241,200 across Polk County.
Is it cheaper to rent or buy in St. Croix Falls?
Median gross rent in St. Croix Falls is $864 a month, against $1,845 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 St. Croix 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.