The calculator below is pre-filled with Dane County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Wisconsin's statewide figures.

Dane County at a glance

Effective property tax rate: 1.48% of home value / year
Median home price: $497,596
Homeowners insurance (avg/year): $1,673
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-20. FIPS 55025. Full source list on /methodology.

Dane County, WI mortgage payment calculator

All-in cost first, always — pre-filled with Dane County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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PMI removal calculator

When your PMI is scheduled to end, by law and by request.

Mortgage points calculator

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Related reading

Closing Costs in Wisconsin: What You'll Actually Pay

Wisconsin charges a flat $30 to record your mortgage no matter how big it is, and the seller customarily pays the transfer fee. Here's the real math on a $358,877 home.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Wisconsin at a glance

Median home price: $358,877
Typical closing costs: 2.5%–3.26% of price
Transfer tax: 0.3% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Wisconsin has no ad-valorem homestead exemption that reduces a homeowner's assessed value or property tax bill directly. Instead it offers the Homestead Credit — a refundable STATE INCOME TAX credit (claimed on Schedule H) for lower-income homeowners and renters, based on household income and property taxes (or rent) paid; income limits and the maximum credit amount are set by the legislature and adjusted periodically, so check current figures with the Wisconsin Department of Revenue. Separately, most owner-occupied residences also receive automatic reductions on the December tax bill itself via the Lottery and Gaming Credit and the First Dollar Credit (both statewide, applied to the bill rather than assessed value), plus the broader School Levy Tax Credit applied to all parcels.

First-time buyer / down payment assistance programs

WHEDA Advantage Conventional / WHEDA Advantage FHA
Wisconsin Housing and Economic Development Authority's two 30-year fixed-rate first mortgage programs (Conventional and FHA), available statewide to both first-time and repeat buyers of an owner-occupied primary residence; a reduced interest rate is available in 15 designated rural target counties. Can be paired with either WHEDA down payment assistance program for up to 100% financing in many cases.
WHEDA Easy Close Advantage DPA / WHEDA Capital Access DPA
Two down-payment-assistance second mortgages, each paired with a WHEDA first mortgage. Easy Close Advantage DPA: minimum $1,000 loan, up to 6% of purchase price, as a 10-year fixed-rate second mortgage with a monthly payment at the same rate as the first mortgage. Capital Access DPA: a flat $7,500 loan as a 30-year fixed, 0%-interest, no-monthly-payment second mortgage, but with lower income limits and currently very limited funding (78 loans available statewide starting Jan 15, 2026, first-come first-served until funds are exhausted).