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Mortgage Calculator &
Closing Costs: Kenosha, WI

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

Median Home Price
$245K
Population
100K
Avg Monthly Rent
$1,120
Property Tax Rate
1.76%
Kenosha vs Wisconsin Median
The median home price in Kenosha is $245,000, which is 13% below the Wisconsin state median of $280,000.

Mortgage Calculator — Kenosha, WI

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

$
$49,000
%
%
years
WI avg
%
$
Monthly Payment (PITI)
$1,706
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,239
per month
Taxes & Insurance
$467
per month
Total Interest Paid
$250K
over 30 years
Total Loan Cost
$446K
all payments
Payment Breakdown
Loan Amount$196,000
Principal & Interest$1,239
Property Taxes$359
Homeowners Insurance$108
Total Monthly PITI$1,706

Closing Costs — Kenosha, WI

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

$
%
Wisconsin: Avg closing costs 1.4% of price. Transfer tax: 0.3%.
Estimated Closing Costs
$9,861
4.0% of purchase price
Lender Fees
$2,189
origination, underwriting
Third-Party
$2,675
appraisal, title, inspection
Government Fees
$735
transfer taxes, recording
Prepaids + Escrow
$4,262
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,764
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,525
Recording Fee$150
Transfer Tax$735
Prepaid Taxes (3 mo)$1,078
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$589
Escrow Reserves$1,295
Total Closing Costs$9,861

Buying a Home in Kenosha, Wisconsin

The median home price in Kenosha is $245,000, 13% below the Wisconsin state median of $280,000. With a population of 99,889, Kenosha 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 $245,000 home in Kenosha would carry roughly $359/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 Kenosha is $1,120/month. The price-to-rent ratio in Kenosha is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Kenosha 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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