Total monthly cost of ownership
Cost to Own a Home in St. Croix Falls, Wisconsin
A $217,000 home here costs
$1,861per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $79,500 a year.
A standard mortgage calculator would have told you $1,183. The real number is $677 higher every month, 57% more than the payment most buyers budget for.
Compare Polk County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. Croix Falls from a five-year rolling sample, and with about 2,469 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Polk County figures are drawn from a far larger sample if you want a steadier number.
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 $125 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
Talk to someone who works this market
These are St. Croix Falls 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 St. Croix Falls every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in St. Croix Falls I already own here and may sell
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 $1,861 per month with 20% down at 7.24%. That is $1,183 principal and interest, $248 property tax, $56 homeowners insurance, $193 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 $1,861 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 St. Croix Falls?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. Croix Falls, Wisconsin at today's rate takes a household income of roughly $79,500 a year. That covers the full $1,861 monthly cost, not just the mortgage payment.
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.