What is the average mortgage rate in Wisconsin in 2026?
Around 7.46% as of October 19, 2026, in line with national average.
Best Mortgage Rates Wisconsin 2026
Wisconsin's housing market sits near the national median, with an average home value of $322,641 in 2026. Note that Wisconsin charges a real estate transfer tax of 0.30% at closing.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages from the site data file, not live quotes from lenders. Confirm pricing with banks and brokers in Wisconsin. Not financial advice.
Wisconsin at a glance
- Average home price: $322,641
- State income tax: Yes (7.65% top rate)
- Land transfer tax: Yes ($0.30 per $100, approximately 0.30%)
- Typical monthly payment: $1,798/mo on $322,641 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does Wisconsin have a real estate transfer tax?
Yes — $0.30 per $100 of sale price, approximately 0.30%.
What is the average home price in Wisconsin in 2026?
$322,641 — near the national median.
How much do I need to earn to afford a home in Wisconsin?
To afford $322,641 with 20% down at 7.46%, you need approximately $75,000–$80,000 annual income.
Wisconsin mortgage calculator · Educational reference only. Not financial or lending advice.