Mortgage payment estimates, closing cost breakdowns, and homebuying data for Oshkosh, Wisconsin.
Median Home Price
$205K
Population
67K
Avg Monthly Rent
$920
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 Oshkosh.
Oshkosh vs Wisconsin Median
The median home price in Oshkosh is $205,000, which is 27% below the Wisconsin state median of $280,000.
Mortgage Calculator — Oshkosh, WI
Pre-filled with Oshkosh median home price and Wisconsin tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $205K home using Wisconsin's 1.76% tax rate and $1,300/yr insurance.
5% Down
$1,754/mo
Down: $10,250
Loan: $195K
P&I: $1,231
Tax: $301
Insurance: $108
PMI: $114
10% Down
$1,683/mo
Down: $20,500
Loan: $185K
P&I: $1,166
Tax: $301
Insurance: $108
PMI: $108
20% Down (No PMI)
$1,446/mo
Down: $41,000
Loan: $164K
P&I: $1,037
Tax: $301
Insurance: $108
Income needed (28% rule): $62K/year with 20% down, $72K/year with 10% down.
Rent vs Buy in Oshkosh
Rent
$920/mo
vs
Buy (10% down)
$1,683/mo
Price-to-rent ratio: 18.6 — A ratio between 15-20 means the rent vs buy decision in Oshkosh 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 Oshkosh is $205,000, 27% below the Wisconsin state median of $280,000. With a population of 66,778, Oshkosh 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 $205,000 home in Oshkosh would carry roughly $301/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 Oshkosh is $920/month. The price-to-rent ratio in Oshkosh is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Oshkosh 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 Oshkosh.