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% *
* Property tax shown is the Wisconsin state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Baraboo.
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.
Three down payment scenarios for a $215K home using Wisconsin's 1.76% tax rate and $1,300/yr insurance.
5% Down
$1,834/mo
Down: $10,750
Loan: $204K
P&I: $1,291
Tax: $315
Insurance: $108
PMI: $119
10% Down
$1,760/mo
Down: $21,500
Loan: $194K
P&I: $1,223
Tax: $315
Insurance: $108
PMI: $113
20% Down (No PMI)
$1,511/mo
Down: $43,000
Loan: $172K
P&I: $1,087
Tax: $315
Insurance: $108
Income needed (28% rule): $65K/year with 20% down, $75K/year with 10% down.
Rent vs Buy in Baraboo
Rent
$950/mo
vs
Buy (10% down)
$1,760/mo
Price-to-rent ratio: 18.9 — A ratio between 15-20 means the rent vs buy decision in Baraboo depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
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.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Baraboo.