Total monthly cost of ownership
Cost to Own a Home in Wautoma, Wisconsin
A $109,000 home here costs
$1,088per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $560. The real number is $527 higher every month — 94% 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.
Wautoma against Waushara County and Wisconsin
| Measure | Wautoma | Waushara County |
|---|---|---|
| Median home value | $108,900 | $186,000 |
| Median property tax | $1,954 | $2,458 |
| Effective tax rate | 1.794% | 1.322% |
| Median gross rent | $725 | $789 |
| Population | 1,882 | 24,752 |
The weather behind that power bill
Wautoma sits in Waushara County, which averages a high of 81.5°F in its hottest month and a low of 6.9°F in its coldest, with 34.27" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 502 cooling and 7,864 heating degree days, which is what sets the $177 electricity line above.
See the full climate breakdown for Waushara County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Waushara County
Full Waushara County cost breakdown · Every county in Wisconsin
Common questions
How much does it cost to own a home in Wautoma?
A $109,000 home in Wautoma, Wisconsin costs approximately $1,088 per month with 20% down at 6.66%. That is $560 principal and interest, $163 property tax, $28 homeowners insurance, $245 utilities and $91 set aside for maintenance.
What is the property tax rate in Wautoma?
Wautoma has an effective property tax rate of 1.794%, based on a median home value of $108,900 and median real estate taxes of $1,954. That is higher than the Waushara County average of 1.322%.
What is the average home price in Wautoma?
The median owner-occupied home value in Wautoma, Wisconsin is $108,900, against $186,000 across Waushara County.
Is it cheaper to rent or buy in Wautoma?
Median gross rent in Wautoma is $725 a month, against $1,088 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 Wautoma — 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.