Total monthly cost of ownership
Cost to Own a Home in Sturgeon Bay, Wisconsin
A $218,000 home here costs
$1,938per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,121. The real number is $817 higher every month — 73% 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.
Sturgeon Bay against Door County and Wisconsin
| Measure | Sturgeon Bay | Door County |
|---|---|---|
| Median home value | $217,600 | $305,800 |
| Median property tax | $4,001 | $3,350 |
| Effective tax rate | 1.839% | 1.095% |
| Median gross rent | $1,011 | $995 |
| Population | 9,702 | 30,279 |
The weather behind that power bill
Sturgeon Bay sits in Door County, which averages a high of 79.6°F in its hottest month and a low of 12.0°F in its coldest, with 30.98" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 347 cooling and 7,725 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Door County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Door County
Common questions
How much does it cost to own a home in Sturgeon Bay?
A $218,000 home in Sturgeon Bay, Wisconsin costs approximately $1,938 per month with 20% down at 6.66%. That is $1,121 principal and interest, $334 property tax, $56 homeowners insurance, $245 utilities and $182 set aside for maintenance.
What is the property tax rate in Sturgeon Bay?
Sturgeon Bay has an effective property tax rate of 1.839%, based on a median home value of $217,600 and median real estate taxes of $4,001. That is higher than the Door County average of 1.095%.
What is the average home price in Sturgeon Bay?
The median owner-occupied home value in Sturgeon Bay, Wisconsin is $217,600, against $305,800 across Door County.
Is it cheaper to rent or buy in Sturgeon Bay?
Median gross rent in Sturgeon Bay is $1,011 a month, against $1,938 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 Sturgeon Bay — 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.