Mortgage Rates in Plover, Wisconsin — March 2026
Updated March 2026 | Based on Plover market data and regional lending conditions
Plover is a growing city in Wisconsin with a population of 13,152. The current 30-year fixed mortgage rate in Plover is 6.69%, which is 0.04% above the national average. With a median home price of $230,000 and a 20% down payment of $46,000, homebuyers can expect a monthly principal and interest payment of approximately $1,186.
Current Mortgage Rates in Plover, WI
Below are the current average mortgage rates available in the Plover 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Plover Housing Market Overview
The Plover housing market offers relatively affordable housing compared to many major cities. The median household income in Plover is $58,900, and the cost of living index is 87.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $66,043 to comfortably afford the median-priced home in Plover, which exceeds the current median household income.
Monthly Payment Breakdown for Plover
Based on the median home price of $230,000 with 20% down ($46,000), here is what you can expect to pay monthly in Plover:
15-Year vs. 30-Year Mortgage in Plover
Choosing a 15-year mortgage in Plover at 5.94% instead of a 30-year at 6.69% would save you $148,500 in total interest over the life of the loan. However, your monthly payment would be $1,547 instead of $1,186 — an increase of $361 per month.
Calculate Your Plover Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Plover
What are the current mortgage rates in Plover, WI?
As of March 2026, the average 30-year fixed mortgage rate in Plover, Wisconsin is 6.69%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Plover?
Based on the median home price of $230,000 with 20% down, the estimated monthly mortgage payment in Plover is $1,186 for principal and interest. Including property taxes of $355/month, the total monthly housing cost is approximately $1,541.
What income do I need to buy a home in Plover?
Using the 28% rule, you would need an annual income of approximately $66,043 to afford the median-priced home in Plover at $230,000. The median household income in Plover is $58,900. This means most households would need to either earn above the median or consider homes below $230,000.
Is Plover a good place to buy a home in 2026?
Plover offers a below-average cost of living with a cost of living index of 87.5 (national average = 100). The property tax rate in Wisconsin is 1.85%, which is above the national average. Plover has a population of 13,152 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 Plover, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.