Local costs · Wisconsin
What a home costs across Wisconsin
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Wisconsin, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $957 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Wisconsin transfer fee: 0.30% of price — seller customarily paysOn the $294,700 state median home, the buyer’s customary share is about $0; the seller customarily covers about $884.
- Title insurance
- Wisconsin uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Wisconsin income tax is modeled at about 3.05% effective for a married household at $100,000 (3.92% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 72 counties in Wisconsin
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Adams County | 1.20% | $850–$1,890typical $1,300 |
| Ashland County | 1.42% | $470–$1,040typical $720 |
| Barron County | 1.31% | $720–$1,610typical $1,110 |
| Bayfield County | 1.01% | $470–$1,040typical $720 |
| Brown County | 1.38% | $500–$1,120typical $770 |
| Buffalo County | 1.32% | $720–$1,600typical $1,100 |
| Burnett County | 0.92% | $600–$1,350typical $930 |
| Calumet County | 1.41% | $680–$1,520typical $1,050 |
| Chippewa County | 1.08% | $640–$1,420typical $980 |
| Clark County | 1.45% | $600–$1,350typical $930 |
| Columbia County | 1.36% | $1,660–$3,710typical $2,560 |
| Crawford County | 1.56% | $720–$1,610typical $1,110 |
| Dane County | 1.63% | $620–$1,390typical $960 |
| Dodge County | 1.48% | $700–$1,550typical $1,070 |
| Door County | 1.02% | $470–$1,040typical $720 |
| Douglas County | 1.26% | $470–$1,040typical $720 |
| Dunn County | 1.39% | $790–$1,770typical $1,220 |
| Eau Claire County | 1.35% | $710–$1,580typical $1,090 |
| Florence County | 1.21% | $520–$1,160typical $800 |
| Fond du Lac County | 1.51% | $680–$1,520typical $1,050 |
| Forest County | 1.07% | $470–$1,040typical $720 |
| Grant County | 1.36% | $730–$1,620typical $1,120 |
| Green County | 1.60% | $810–$1,800typical $1,240 |
| Green Lake County | 1.26% | $850–$1,900typical $1,310 |
| Iowa County | 1.52% | $810–$1,810typical $1,250 |
| Iron County | 1.07% | $470–$1,040typical $720 |
| Jackson County | 1.39% | $640–$1,420typical $980 |
| Jefferson County | 1.46% | $720–$1,600typical $1,100 |
| Juneau County | 1.47% | $740–$1,650typical $1,140 |
| Kenosha County | 1.57% | $570–$1,260typical $870 |
| Kewaunee County | 1.44% | $500–$1,120typical $770 |
| La Crosse County | 1.54% | $710–$1,580typical $1,090 |
| Lafayette County | 1.57% | $850–$1,890typical $1,300 |
| Langlade County | 1.25% | $500–$1,120typical $770 |
| Lincoln County | 1.32% | $550–$1,220typical $840 |
| Manitowoc County | 1.44% | $640–$1,420typical $980 |
| Marathon County | 1.47% | $540–$1,200typical $830 |
| Marinette County | 1.20% | $470–$1,060typical $730 |
| Marquette County | 1.26% | $920–$2,040typical $1,410 |
| Menominee County | 3.56% | $570–$1,280typical $880 |
| Milwaukee County | 1.93% | $470–$1,040typical $720 |
| Monroe County | 1.35% | $710–$1,580typical $1,090 |
| Oconto County | 1.18% | $530–$1,190typical $820 |
| Oneida County | 0.89% | $470–$1,040typical $720 |
| Outagamie County | 1.37% | $550–$1,220typical $840 |
| Ozaukee County | 1.19% | $490–$1,100typical $760 |
| Pepin County | 1.36% | $830–$1,840typical $1,270 |
| Pierce County | 1.36% | $910–$2,030typical $1,400 |
| Polk County | 1.13% | $790–$1,770typical $1,220 |
| Portage County | 1.44% | $660–$1,480typical $1,020 |
| Price County | 1.32% | $470–$1,040typical $720 |
| Racine County | 1.63% | $510–$1,150typical $790 |
| Richland County | 1.39% | $750–$1,680typical $1,160 |
| Rock County | 1.60% | $750–$1,680typical $1,160 |
| Rusk County | 1.12% | $550–$1,220typical $840 |
| Sauk County | 1.45% | $730–$1,620typical $1,120 |
| Sawyer County | 0.80% | $470–$1,040typical $720 |
| Shawano County | 1.36% | $620–$1,390typical $960 |
| Sheboygan County | 1.39% | $590–$1,320typical $910 |
| St. Croix County | 1.17% | $860–$1,910typical $1,320 |
| Taylor County | 1.39% | $590–$1,310typical $900 |
| Trempealeau County | 1.56% | $690–$1,540typical $1,060 |
| Vernon County | 1.33% | $710–$1,580typical $1,090 |
| Vilas County | 0.73% | $470–$1,040typical $720 |
| Walworth County | 1.33% | $700–$1,550typical $1,070 |
| Washburn County | 1.05% | $530–$1,170typical $810 |
| Washington County | 1.10% | $620–$1,390typical $960 |
| Waukesha County | 1.14% | $580–$1,290typical $890 |
| Waupaca County | 1.38% | $660–$1,460typical $1,010 |
| Waushara County | 1.21% | $950–$2,120typical $1,460 |
| Winnebago County | 1.63% | $600–$1,330typical $920 |
| Wood County | 1.54% | $690–$1,540typical $1,060 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.