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Mortgage Calculator &
Closing Costs: Baraboo, WI

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Baraboo, Wisconsin.

Median Home Price
$215K
Population
13K
Avg Monthly Rent
$950
Property Tax Rate
1.76%
Baraboo vs Wisconsin Median
The median home price in Baraboo is $215,000, which is 23% below the Wisconsin state median of $280,000.

Mortgage Calculator — Baraboo, WI

Pre-filled with Baraboo median home price and Wisconsin tax/insurance rates. Adjust for your property.

$
$43,000
%
%
years
WI avg
%
$
Monthly Payment (PITI)
$1,510
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,087
per month
Taxes & Insurance
$423
per month
Total Interest Paid
$219K
over 30 years
Total Loan Cost
$391K
all payments
Payment Breakdown
Loan Amount$172,000
Principal & Interest$1,087
Property Taxes$315
Homeowners Insurance$108
Total Monthly PITI$1,510

Closing Costs — Baraboo, WI

Estimated closing costs based on Wisconsin rates and fees applied to Baraboo prices.

$
%
Wisconsin: Avg closing costs 1.4% of price. Transfer tax: 0.3%.
Estimated Closing Costs
$9,069
4.2% of purchase price
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Lender Fees
$1,973
origination, underwriting
Third-Party
$2,525
appraisal, title, inspection
Government Fees
$645
transfer taxes, recording
Prepaids + Escrow
$3,926
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,548
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,375
Recording Fee$150
Transfer Tax$645
Prepaid Taxes (3 mo)$946
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$517
Escrow Reserves$1,163
Total Closing Costs$9,069

Buying a Home in Baraboo, Wisconsin

The median home price in Baraboo is $215,000, 23% below the Wisconsin state median of $280,000. With a population of 12,556, Baraboo is a smaller market where home prices tend to be more accessible than in many parts of Wisconsin.

Property taxes in Wisconsin average 1.76% annually. This higher-than-average tax rate means a $215,000 home in Baraboo would carry roughly $315/month in property taxes alone — plan accordingly. Homeowners insurance in Wisconsin runs approximately $1,300 per year. This is within the normal range nationally.

Average rent in Baraboo is $950/month. The price-to-rent ratio in Baraboo is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Baraboo offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Wisconsin's WHEDA First-Time Advantage program.

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