Mortgage Rates in Cedarburg, Wisconsin — March 2026
Updated March 2026 | Based on Cedarburg market data and regional lending conditions
Cedarburg is a growing city in Wisconsin with a population of 11,812. The current 30-year fixed mortgage rate in Cedarburg is 6.78%, which is 0.13% above the national average. With a median home price of $224,000 and a 20% down payment of $44,800, homebuyers can expect a monthly principal and interest payment of approximately $1,166.
Current Mortgage Rates in Cedarburg, WI
Below are the current average mortgage rates available in the Cedarburg area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Cedarburg Housing Market Overview
The Cedarburg housing market offers relatively affordable housing compared to many major cities. The median household income in Cedarburg is $57,600, and the cost of living index is 83.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $64,371 to comfortably afford the median-priced home in Cedarburg, which exceeds the current median household income.
Monthly Payment Breakdown for Cedarburg
Based on the median home price of $224,000 with 20% down ($44,800), here is what you can expect to pay monthly in Cedarburg:
15-Year vs. 30-Year Mortgage in Cedarburg
Choosing a 15-year mortgage in Cedarburg at 6.02% instead of a 30-year at 6.78% would save you $147,240 in total interest over the life of the loan. However, your monthly payment would be $1,514 instead of $1,166 — an increase of $348 per month.
Calculate Your Cedarburg Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Cedarburg
What are the current mortgage rates in Cedarburg, WI?
As of March 2026, the average 30-year fixed mortgage rate in Cedarburg, Wisconsin is 6.78%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Cedarburg?
Based on the median home price of $224,000 with 20% down, the estimated monthly mortgage payment in Cedarburg is $1,166 for principal and interest. Including property taxes of $336/month, the total monthly housing cost is approximately $1,502.
What income do I need to buy a home in Cedarburg?
Using the 28% rule, you would need an annual income of approximately $64,371 to afford the median-priced home in Cedarburg at $224,000. The median household income in Cedarburg is $57,600. This means most households would need to either earn above the median or consider homes below $224,000.
Is Cedarburg a good place to buy a home in 2026?
Cedarburg offers a below-average cost of living with a cost of living index of 83.2 (national average = 100). The property tax rate in Wisconsin is 1.8%, which is above the national average. Cedarburg has a population of 11,812 and offers a very affordable lifestyle.
Mortgage Rates in Other Wisconsin Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Cedarburg, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.