Mortgage Rates in West Bend, Wisconsin — March 2026
Updated March 2026 | Based on West Bend market data and regional lending conditions
West Bend is a growing city in Wisconsin with a population of 31,078. The current 30-year fixed mortgage rate in West Bend is 6.71%, which is 0.06% above the national average. With a median home price of $229,000 and a 20% down payment of $45,800, homebuyers can expect a monthly principal and interest payment of approximately $1,183.
Current Mortgage Rates in West Bend, WI
Below are the current average mortgage rates available in the West Bend 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 | 6.71% | 6.65% | +0.06% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.96% | 6.85% | +0.11% |
West Bend Housing Market Overview
The West Bend housing market offers relatively affordable housing compared to many major cities. The median household income in West Bend is $54,600, and the cost of living index is 85.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $64,671 to comfortably afford the median-priced home in West Bend, which exceeds the current median household income.
Monthly Payment Breakdown for West Bend
Based on the median home price of $229,000 with 20% down ($45,800), here is what you can expect to pay monthly in West Bend:
15-Year vs. 30-Year Mortgage in West Bend
Choosing a 15-year mortgage in West Bend at 5.96% instead of a 30-year at 6.71% would save you $148,320 in total interest over the life of the loan. However, your monthly payment would be $1,542 instead of $1,183 — an increase of $359 per month.
Calculate Your West Bend 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 West Bend
What are the current mortgage rates in West Bend, WI?
As of March 2026, the average 30-year fixed mortgage rate in West Bend, Wisconsin is 6.71%, while the 15-year fixed rate is 5.96%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.06% above the national average of 6.65%.
How much is a monthly mortgage payment in West Bend?
Based on the median home price of $229,000 with 20% down, the estimated monthly mortgage payment in West Bend is $1,183 for principal and interest. Including property taxes of $326/month, the total monthly housing cost is approximately $1,509.
What income do I need to buy a home in West Bend?
Using the 28% rule, you would need an annual income of approximately $64,671 to afford the median-priced home in West Bend at $229,000. The median household income in West Bend is $54,600. This means most households would need to either earn above the median or consider homes below $229,000.
Is West Bend a good place to buy a home in 2026?
West Bend offers a below-average cost of living with a cost of living index of 85.9 (national average = 100). The property tax rate in Wisconsin is 1.71%, which is above the national average. West Bend has a population of 31,078 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 West Bend, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.