Mortgage Rates in Wisconsin — March 2026
Compare current mortgage rates across 66 cities in Wisconsin. The average 30-year fixed rate is 6.73%, which is 0.08% above the national average of 6.65%.
Wisconsin Housing Highlights
All 66 Cities in Wisconsin
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Milwaukee | 6.71% | $175,000 | $904 | 577,222 |
| Madison | 6.71% | $355,000 | $1,834 | 269,840 |
| Green Bay | 6.71% | $215,000 | $1,111 | 107,395 |
| Kenosha | 6.71% | $225,000 | $1,163 | 99,944 |
| Racine | 6.71% | $165,000 | $853 | 78,199 |
| Appleton | 6.71% | $225,000 | $1,163 | 75,644 |
| Waukesha | 6.66% | $221,000 | $1,136 | 72,489 |
| Eau Claire | 6.71% | $235,000 | $1,214 | 69,421 |
| Oshkosh | 6.87% | $228,000 | $1,198 | 66,816 |
| Janesville | 6.78% | $248,000 | $1,291 | 64,415 |
| West Allis | 6.77% | $218,000 | $1,133 | 60,328 |
| La Crosse | 6.63% | $226,000 | $1,158 | 52,680 |
| Sheboygan | 6.75% | $240,000 | $1,245 | 49,929 |
| Wauwatosa | 6.83% | $225,000 | $1,177 | 48,143 |
| Fond du Lac | 6.78% | $250,000 | $1,301 | 43,021 |
| Brookfield | 6.76% | $221,000 | $1,148 | 40,453 |
| New Berlin | 6.7% | $257,000 | $1,327 | 40,234 |
| Menomonee Falls | 6.89% | $254,000 | $1,337 | 37,611 |
| Greenfield | 6.69% | $214,000 | $1,104 | 37,117 |
| Beloit | 6.67% | $231,000 | $1,189 | 36,804 |
| Oak Creek | 6.6% | $217,000 | $1,109 | 36,321 |
| Franklin | 6.82% | $248,000 | $1,296 | 36,013 |
| Sun Prairie | 6.79% | $212,000 | $1,105 | 35,961 |
| Manitowoc | 6.76% | $135,000 | $701 | 32,975 |
| West Bend | 6.71% | $229,000 | $1,183 | 31,078 |
| Fitchburg | 6.67% | $245,000 | $1,261 | 30,032 |
| Neenah | 6.74% | $223,000 | $1,156 | 27,175 |
| Mount Pleasant | 6.8% | $220,000 | $1,147 | 27,008 |
| Superior | 6.71% | $165,000 | $852 | 26,751 |
| Stevens Point | 6.56% | $185,000 | $941 | 26,717 |
| De Pere | 6.65% | $246,000 | $1,263 | 25,410 |
| Caledonia | 6.76% | $250,000 | $1,299 | 25,182 |
| Muskego | 6.75% | $220,000 | $1,142 | 25,125 |
| Mequon | 6.81% | $234,000 | $1,222 | 24,082 |
| Watertown | 6.67% | $220,000 | $1,132 | 23,861 |
| Middleton | 6.85% | $221,000 | $1,158 | 22,250 |
| Pleasant Prairie | 6.68% | $237,000 | $1,221 | 21,424 |
| South Milwaukee | 6.88% | $200,000 | $1,052 | 21,001 |
| Germantown | 6.65% | $222,000 | $1,140 | 20,746 |
| Howard | 6.61% | $191,000 | $977 | 20,031 |
| Onalaska | 6.72% | $232,000 | $1,200 | 19,576 |
| Marshfield | 6.35% | $165,000 | $821 | 19,017 |
| Cudahy | 6.78% | $192,000 | $999 | 18,211 |
| Menasha | 6.63% | $240,000 | $1,230 | 18,140 |
| Oconomowoc | 6.64% | $191,000 | $980 | 17,806 |
| Wisconsin Rapids | 6.79% | $203,000 | $1,058 | 17,545 |
| Kaukauna | 6.77% | $200,000 | $1,040 | 16,569 |
| Menomonie | 6.73% | $234,000 | $1,212 | 16,264 |
| Beaver Dam | 6.65% | $196,000 | $1,007 | 16,214 |
| River Falls | 6.75% | $204,000 | $1,059 | 16,159 |
| Hartford | 6.63% | $233,000 | $1,194 | 15,924 |
| Weston | 6.85% | $225,000 | $1,179 | 15,562 |
| Whitewater | 6.78% | $236,000 | $1,228 | 14,990 |
| Pewaukee | 6.61% | $223,000 | $1,141 | 14,614 |
| Chippewa Falls | 6.67% | $198,000 | $1,019 | 14,521 |
| Whitefish Bay | 6.63% | $232,000 | $1,189 | 13,873 |
| Plover | 6.69% | $230,000 | $1,186 | 13,152 |
| Stoughton | 6.76% | $218,000 | $1,132 | 13,143 |
| Port Washington | 6.9% | $197,000 | $1,038 | 12,075 |
| Grafton | 6.62% | $212,000 | $1,085 | 12,062 |
| Baraboo | 6.86% | $236,000 | $1,238 | 12,048 |
| Cedarburg | 6.78% | $224,000 | $1,166 | 11,812 |
| Waupun | 6.69% | $225,000 | $1,160 | 11,340 |
| Two Rivers | 6.77% | $194,000 | $1,009 | 11,271 |
| Marinette | 6.85% | $209,000 | $1,096 | 10,807 |
| Shawano | 6.84% | $192,000 | $1,005 | 9,305 |
Wisconsin Mortgage Rates Guide — 2026
Wisconsin homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $219,530. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,137.
The most affordable city for homebuyers in Wisconsin is Manitowoc, where the median home price is $135,000. On the other end, Madison has the highest prices at $355,000. Property tax rates across the state average 1.77%.
To comfortably afford a home at the state average price, a household income of approximately $48,729 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Wisconsin Mortgages
What are current mortgage rates in Wisconsin?
As of March 2026, the average 30-year fixed mortgage rate in Wisconsin is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Wisconsin?
The median home price across 66 cities in Wisconsin is $219,530. Prices range from $135,000 in Manitowoc to $355,000 in Madison.
How much income do I need to buy a house in Wisconsin?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $48,729 to comfortably afford the average home in Wisconsin. The median household income in the state is approximately $57,927.
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