Watcharu Finance

Oshkosh, WI mortgage & affordability calculator

The typical home in Oshkosh, WI is worth about $235,000. With 20% down that's a loan near $188,000 — the calculator is pre-filled with that figure. Oshkosh hosts the EAA AirVenture fly-in every summer, the largest aviation gathering in the world, and Oshkosh Corporation's defense- and specialty-truck manufacturing anchors the local economy year-round. Home prices track closely with the rest of the Fox Valley.

$1,220.61 / month

Total interest
$251,425
Total paid
$439,425
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$47k$94k$141k$188k0612182430Year

How much you need to earn

Oshkosh, WI's median household income is about $62,000 a year. Under standard 28/36 lending rules that supports a home price around $200,989 with 20% down — below the $235,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$200,984 max home price

Max loan amount
$153,984
Housing payment budget
$1,447
P&I budget
$1,000
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Oshkosh, WI is about $1,150 a month, so owning the median home costs roughly $517 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Oshkosh, WI?
On the metro's roughly $235,000 typical home with 20% down, the loan is about $188,000. Principal and interest run near $1,221 a month at today's rate, and Oshkosh, WI's property tax plus insurance add about $447, for a full payment near $1,667.
Can I afford a home in Oshkosh, WI on the median income?
The median household income is about $62,000 a year. Under standard 28/36 lending rules that supports a home price around $200,989 with 20% down — below the $235,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Oshkosh, WI?
Typical asking rent is about $1,150 a month. The full owner payment on a median home is near $1,667, so owning costs roughly $517 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Oshkosh, WI?
The effective property tax rate in the core county is about 1.75% of market value — roughly $4,113 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Oshkosh, WI rising or falling?
Home values are up about 3% over the past year. Oshkosh hosts the EAA AirVenture fly-in every summer, the largest aviation gathering in the world, and Oshkosh Corporation's defense- and specialty-truck manufacturing anchors the local economy year-round. Home prices track closely with the rest of the Fox Valley.

Nearby metros

← All Wisconsin mortgage figures

← All metro calculators