Jefferson County, Wisconsin home prices
Typical home $369,355 · +5.3% in a year · property tax 1.46%
The typical home in Jefferson County is worth $369,355, 10% more than the Wisconsin typical home ($337,196). Values changed +5.3% in the past year and +31.5% over five years. Homeowners here pay a median 1.46% of their home's value in property tax each year ($5,397 on the typical home), versus 1.2% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $73,871 | $295,484 | $1,988 | $0 | $634 | $2,622 | $112,400 |
| 10% down | $36,935 | $332,419 | $2,236 | $139 | $634 | $3,009 | $129,000 |
| 5% down | $18,468 | $350,887 | $2,360 | $146 | $634 | $3,141 | $134,600 |
| 3.5% down (FHA) | $12,927 | $362,665 | $2,440 | $163 | $634 | $3,237 | $138,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.46% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Wisconsin · part of the Watertown metro area.
Wisconsin counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pierce County | $371,522 | +5.1% | 1.36% |
| Calumet County | $377,545 | +5.4% | 1.41% |
| Columbia County | $356,976 | +4.6% | 1.36% |
| Brown County | $355,212 | +4.7% | 1.38% |
| Sauk County | $344,270 | +5.7% | 1.45% |
| Iowa County | $343,526 | +7.2% | 1.52% |
| Outagamie County | $342,897 | +5.1% | 1.37% |
| Sawyer County | $339,999 | +3.2% | 0.8% |
| Polk County | $334,449 | +3.6% | 1.13% |
| Kenosha County | $333,954 | +6.7% | 1.57% |
Frequently asked questions
What is the average home price in Jefferson County, WI?
The typical home value in Jefferson County is $369,355 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $112,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 1.46% of home value a year (Census ACS 2024 5-year estimates).