Mortgage Refinance Rates in Wisconsin (2026)
With Wisconsin's median value near $290,000, a homeowner refinancing a typical $197,000 balance from about 7.50% to 6.25% saves roughly $164/month — breaking even on ~$4,925 of costs near month 30.
Whether you want a smaller payment or cash from your Wisconsin equity, the break-even is what decides if it is worth it. Wisconsin uses the $806,500 conforming baseline statewide.
Refinance snapshot by Wisconsin county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Milwaukee County | $235,000 | $806,500 | Baseline |
| Dane County | $420,000 | $806,500 | Baseline |
| Waukesha County | $420,000 | $806,500 | Baseline |
| Brown County | $290,000 | $806,500 | Baseline |
| Racine County | $290,000 | $806,500 | Baseline |
| Outagamie County | $290,000 | $806,500 | Baseline |
| Winnebago County | $290,000 | $806,500 | Baseline |
| Kenosha County | $290,000 | $806,500 | Baseline |
| Rock County | $290,000 | $806,500 | Baseline |
| Marathon County | $290,000 | $806,500 | Baseline |
| Washington County | $290,000 | $806,500 | Baseline |
| Sheboygan County | $290,000 | $806,500 | Baseline |
| La Crosse County | $290,000 | $806,500 | Baseline |
| Eau Claire County | $290,000 | $806,500 | Baseline |
| Walworth County | $290,000 | $806,500 | Baseline |
| Ozaukee County | $290,000 | $806,500 | Baseline |
| Dodge County | $290,000 | $806,500 | Baseline |
| Jefferson County | $290,000 | $806,500 | Baseline |
| St. Croix County | $290,000 | $806,500 | Baseline |
| Fond du Lac County | $290,000 | $806,500 | Baseline |
| Manitowoc County | $290,000 | $806,500 | Baseline |
| Wood County | $290,000 | $806,500 | Baseline |
| Portage County | $290,000 | $806,500 | Baseline |
| Chippewa County | $290,000 | $806,500 | Baseline |
| Columbia County | $290,000 | $806,500 | Baseline |
Should you refinance in Wisconsin?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Frequently Asked Questions
- How much can refinancing save in Wisconsin?
- On a $197,000 balance near the Wisconsin median, dropping from ~7.50% to 6.25% saves about $164/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in Wisconsin for 2026?
- Most Wisconsin counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.