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Mortgage Rates in Wisconsin

January 22, 2021

The Ascent is reader-supported: we may earn a commission from offers on this page. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation.

House-hunting in Wisconsin can be more affordable if you search for the best mortgage rates for your credit profile. That can save you tens of thousands of dollars over the lifetime of your loan. As you start your search to compare mortgage lenders, check out today's mortgage rates in Wisconsin below.

Current Mortgage and Refinance Rates in Wisconsin

Rates As of Jan 22, 2021
Product Interest Rate Average Points/Credits
Fixed 30 Year 2.846% -0.330
Fixed 15 Year 2.240% -0.310
Fixed 30 Year - FHA 2.943% -0.257
Fixed 30 Year - VA 2.726% -0.342
Fixed 30 Year - Jumbo 2.708% -0.277
Fixed 30 Year 2.927% -0.180
Fixed 20 Year 2.737% -0.035
Fixed 15 Year 2.350% -0.214
Fixed 30 Year - FHA 2.805% -0.093
Fixed 30 Year - VA 2.506% 0.090
Fixed 30 Year - Jumbo 3.096% -0.246
The Ascent's Mortgage Rates Tracking Methodology

5 affordable places to live in Wisconsin

Just because Wisconsin charges some of the highest property taxes in the U.S. (according to Tax-Rates.org) doesn't mean you can't find a home within your budget. There are plenty of affordable places to settle down in the state, including the following five.

1. Two Rivers

With a population of 11,219, Two Rivers is on Lake Michigan, and has plenty of parks and nightlife options. Plus, the community enjoys beach access at Point Beach State Park. It's 15th on Niche's list of places with the lowest cost of living in Wisconsin. Over two-thirds of residents are homeowners, probably because the median home value is $93,100, much lower than the national median of $184,700. This could make up for the fact that property taxes in Manitowoc county, which includes Two Rivers, is one of the highest in the country at 1.9% of the property's fair assessed market value.

2. Marinette

Marinette is just south of the Menominee River, offering its 10,678 residents picturesque views of Lake Michigan, and outdoor activities during the warmer months. To the north is Stephenson Island, where part of it is preserved as a park. About 61% of residents own their homes, with a median home value of $83,000. Another reason it's considered one of the most affordable places to live in the state: property taxes are 1.46%, below the state average of 1.76%.

3. Manitowoc

Manitowoc is known as "Maritime Capital" and is another city on Lake Michigan, south of Two Rivers. Because of its nickname, there are plenty of waterfront activities like fishing, as well as two maritime museums for history buffs. Around two-thirds of residents are homeowners, and many residents are young professionals or retirees. The median home value is $104,500, $80,200 under the national median. However, Manitowoc property taxes are some of the highest in the state at 1.9%. Granted, you do get a lot in this city, including parks, cultural activities, and an active nightlife scene.

4. Sheboygan

Known for its bratwurst and cheese, Sheboygan is the largest city on our list, with a population of 48,531. There's plenty to like about this city, including the highly rated schools and the abundance of amenities such as parks, restaurants, and nightlife. Plus if you like surfing, there's a reason this city is nicknamed as the "Malibu of the Midwest." Although the median home value is the highest in our list at $109,700, 61% of residents are homeowners. The property tax rate in Sheboygan county is also one of the highest in Wisconsin at 1.9%.

5. Wisconsin Rapids

Located along the Wisconsin River, this city has a population of 17,842 and offers plenty of sporting activities, a nightlife scene, and parks. It's also known as cranberry county, so you'll see many activities and businesses dedicated to this fruit. Many of Wisconsin Rapids' residents are families and retirees, and over half of them own their homes. Although property taxes are relatively high at 1.78% in Wood County, the median home value is $89,100, lower than in many parts of the U.S.

Settling in America's Dairyland offers plenty of affordable housing choices, even if property taxes are some of the highest in the country. To make monthly mortgage payments even more affordable, stay well within your housing budget and shop around for the most competitive mortgage rates. Check out our mortgage calculator to help you estimate your monthly payment, including principal, interest, insurance, taxes, and PMI.

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