North Carolina vs Wisconsin: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Carolina and Wisconsin. Updated for 2026.
Metric
North Carolina
Wisconsin
Median Home Price
$340K
$280K
Property Tax Rate
0.78%
1.76%
Avg Closing Costs
$5K
$4K
Closing Cost %
1.4%
1.4%
Transfer Tax
0.2%
0.3%
Homeowners Insurance
$2,300/yr
$1,300/yr
First-Time Buyer Program
NC Home Advantage Mortgage
Up to 5% DPA
WHEDA First-Time Advantage
Up to $3,050 Easy Close grant
Verdict
Wisconsin wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $280K and lower overall costs, Wisconsin offers meaningful savings compared to North Carolina. Both states offer first-time buyer programs — explore the state pages for full details.