Mortgage Rates in Whitefish Bay, Wisconsin — March 2026
Updated March 2026 | Based on Whitefish Bay market data and regional lending conditions
Whitefish Bay is a growing city in Wisconsin with a population of 13,873. The current 30-year fixed mortgage rate in Whitefish Bay is 6.63%, which is 0.02% below the national average. With a median home price of $232,000 and a 20% down payment of $46,400, homebuyers can expect a monthly principal and interest payment of approximately $1,189.
Current Mortgage Rates in Whitefish Bay, WI
Below are the current average mortgage rates available in the Whitefish Bay 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Whitefish Bay Housing Market Overview
The Whitefish Bay housing market offers relatively affordable housing compared to many major cities. The median household income in Whitefish Bay is $56,400, and the cost of living index is 90 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $66,300 to comfortably afford the median-priced home in Whitefish Bay, which exceeds the current median household income.
Monthly Payment Breakdown for Whitefish Bay
Based on the median home price of $232,000 with 20% down ($46,400), here is what you can expect to pay monthly in Whitefish Bay:
15-Year vs. 30-Year Mortgage in Whitefish Bay
Choosing a 15-year mortgage in Whitefish Bay at 5.9% instead of a 30-year at 6.63% would save you $147,960 in total interest over the life of the loan. However, your monthly payment would be $1,556 instead of $1,189 — an increase of $367 per month.
Calculate Your Whitefish Bay 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 Whitefish Bay
What are the current mortgage rates in Whitefish Bay, WI?
As of March 2026, the average 30-year fixed mortgage rate in Whitefish Bay, Wisconsin is 6.63%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Whitefish Bay?
Based on the median home price of $232,000 with 20% down, the estimated monthly mortgage payment in Whitefish Bay is $1,189 for principal and interest. Including property taxes of $358/month, the total monthly housing cost is approximately $1,547.
What income do I need to buy a home in Whitefish Bay?
Using the 28% rule, you would need an annual income of approximately $66,300 to afford the median-priced home in Whitefish Bay at $232,000. The median household income in Whitefish Bay is $56,400. This means most households would need to either earn above the median or consider homes below $232,000.
Is Whitefish Bay a good place to buy a home in 2026?
Whitefish Bay offers a below-average cost of living with a cost of living index of 90 (national average = 100). The property tax rate in Wisconsin is 1.85%, which is above the national average. Whitefish Bay has a population of 13,873 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 Whitefish Bay, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.