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Today's Mortgage Rates in Wisconsin

Get a Lower rate in Wisconsin whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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WI Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 7.250%.
  • The 30-Year Conventional Refinance rate is 7.375%.
  • Rates are current as of October 8, 2026.

Current Wisconsin Mortgage Rates

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Mortgage Rates Trend in Wisconsin

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Wisconsin

Wisconsin mortgage interest rates come from national lending markets, not a rate set at the state level. Your credit profile, loan structure, property details and other application factors can change the pricing you receive.

A quote for a home in Milwaukee can differ from one for a property in rural Wisconsin when the borrower, property or loan details differ.

When you compare mortgage offers, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

 If you’re considering replacing an existing Wisconsin mortgage, compare Wisconsin refinance rates with the rate and term on your current loan.

Types of Mortgages Available in Wisconsin

Wisconsinites buying a home have one statewide conforming threshold to keep in mind, but the mortgage structure you choose can still affect your payment, qualification requirements and upfront costs.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.

  • FHA loans in Wisconsin follow separate borrower and property requirements. FHA loan limits are separate from conforming limits and are published county by county.

  • Eligible borrowers can compare Wisconsin VA loan rates. VA financing follows its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and can apply when the property is in an eligible rural location.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms.

  • A jumbo loan finances an amount above the applicable conforming limit. Wisconsin has one statewide one-unit threshold for 2026, so the cutoff does not change from county to county.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Wisconsin.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Wisconsin

All 72 Wisconsin counties use the same $832,750 one-unit conforming loan limit for 2026. There are no higher-cost county tiers within the state.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Wisconsin. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers financing above that amount can compare Wisconsin jumbo loan rates. Because the limit is identical across all 72 counties, there is no county-level conforming table to check.

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Wisconsin Mortgage Payment Examples By Rate

Wisconsin's payment examples extend to an $800,000 mortgage, which remains below the $832,750 one-unit conforming limit that applies in all 72 counties. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Wisconsin mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Wisconsin Mortgage FAQs

Are there homebuyer assistance programs in Wisconsin?

The Wisconsin Housing and Economic Development Authority provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Wisconsin for 2026?

Every county in Wisconsin uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also affect the cost or payment structure of a transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Wisconsin
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Find Out Why Wisconsinites Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Reily and his team was easy to communicate with. He was quick to respond to any questions I had. He made the process go smoothly. Very professional. I would highly recommend!

Mark E.

Verified Customer

October 4, 2026

5.0

Josh and Antia with Lower Mortgage where so great to work with and made communication wonderful. Both were willing to be there for me even after hours knowing my work schedule which I truly appreciated very much. Their willingness to help alo…ng the many steps through the process of buying and selling a home, I plan to reach out again in the future if that time comes. A big THANK YOU for everything that you both have done for me and with kindness and professionalism. Thank you so much!

Crissy R.

Verified Customer

August 6, 2026

5.0

Russell and his team excell in providing every resource and instruction needed in order to ensure the home buying process goes as smoothly as possible. He consistently would ensure hwe was available to answer any… questions or concerns we had and really made this, otherwise complicated process, simple. I will be referring Russell and his team to everyone!

Christian D.

Verified Customer

October 3, 2026

5.0

A from start to finish loan officer. Earnest understand the clients and make sure they understand the process

Fittonia G.

Verified Customer

August 15, 2026

5.0

It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish.

Nikita L.

Verified Customer

July 25, 2026

5.0

Responsive, knowledgeable, and always there to answer our questions. Highly recommend!

Caitlyn C.

Verified Customer

July 10, 2026

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