How much do homeowners pay a month in Cottage Grove, WI?
Homeowners with a mortgage in Cottage Grove, WI pay a median of $2,620 (±$104) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $882 (±$156).
89.7% of owned homes carry a mortgage.
In Cottage Grove, the median monthly cost with a mortgage went from $1,859 in 2015–2019 to $2,620 in 2020–2024 (+40.9%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Figures last updated on .
- With a mortgage
- $2,620 (±$104)
- Without a mortgage
- $882 (±$156)
- Owned with a mortgage
- 89.7%
Monthly owner costs in Cottage Grove
| Cottage Grove | Dane County | Wisconsin | United States | |
|---|---|---|---|---|
| With a mortgage | $2,620 (±$104) | $2,200 (±$25) | $1,689 (±$5) | $1,963 |
| Without a mortgage | $882 (±$156) | $901 (±$15) | $659 (±$3) | $638 |
| Owned homes with a mortgage | 89.7% (±4.1 points) | 67.7% (±1.0 points) | 61.1% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $7,458 (±$582) | $6,420 (±$55) | $3,792 (±$12) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Cottage Grove, the median cost with a mortgage is higher than in Dane County ($2,200).
It is also higher than in Wisconsin ($1,689).
It is higher than the national figure ($1,963).
In Dane County, Cottage Grove ranks 11 of 59 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 31 of 1,845.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Cottage Grove have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,859 (±$128) | $2,620 (±$104) | +40.9% | Up after inflation |
| Median real estate taxes | $5,771 (±$275) | $7,458 (±$582) | +29.2% | No measurable change after inflation |
| Median home value | $277,500 (±$8,517) | $449,700 (±$18,350) | +62.1% | Up after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Cottage Grove
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Cottage Grove | — | $2,620 (±$104) | — |
| Town of Cottage Grove | 2.7 mi | $2,134 (±$173) | Lower |
| Town of Sun Prairie | 4.0 mi | $2,076 (±$168) | Lower |
| McFarland | 6.4 mi | $2,306 (±$102) | Lower |
| Sun Prairie | 6.5 mi | $2,085 (±$80) | Lower |
| Town of Blooming Grove | 6.9 mi | $1,872 (±$102) | Lower |
| Monona | 7.0 mi | $2,199 (±$172) | Lower |
| Deerfield | 7.2 mi | $1,856 (±$250) | Lower |
| Town of Deerfield (Dane County) | 7.5 mi | $2,338 (±$131) | Lower |
Nearby places with a measurably lower figure: Town of Cottage Grove, WI ($2,134), Town of Sun Prairie, WI ($2,076), McFarland, WI ($2,306).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Dane County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 5 | Town of Verona | $2,846 (±$203) |
| 6 | Town of Cross Plains | $2,819 (±$320) |
| 7 | Waunakee | $2,735 (±$239) |
| 8 | Town of Blue Mounds | $2,713 (±$308) |
| 9 | Town of Berry | $2,695 (±$359) |
| 10 | Town of Springfield (Dane County) | $2,638 (±$447) |
| 11 | Cottage Grove | $2,620 (±$104) |
| 12 | Town of Westport | $2,614 (±$208) |
| 13 | Middleton | $2,579 (±$242) |
| 14 | Town of Medina | $2,530 (±$297) |
| 15 | Town of Springdale | $2,526 (±$432) |
| 16 | Town of Dunn (Dane County) | $2,495 (±$305) |
| 17 | Town of Roxbury | $2,466 (±$257) |
Showing 13 of 59 places in Dane County, ranked from highest to lowest.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Cottage Grove
What is the average mortgage payment in Cottage Grove?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cottage Grove, WI is $2,620 (±$104) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Cottage Grove?
Owners without a mortgage in Cottage Grove pay a median of $882 (±$156) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Cottage Grove gone up?
In Cottage Grove, the median monthly cost with a mortgage went from $1,859 in 2015–2019 to $2,620 in 2020–2024 (+40.9%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Cottage Grove village, Wisconsin
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Cottage Grove village, Wisconsin
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Cottage Grove village, Wisconsin
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Cottage Grove village, Wisconsin
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Cottage Grove village, Wisconsin
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Cottage Grove village, Wisconsin (place:17175, in state:55).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
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