Mortgage Refinance Rates in Ozaukee County, Wisconsin (2026)
Homeowners in Ozaukee County — anchored by Ozaukee County — are watching refinance rates closely. On a typical $217,000 balance, dropping from about 7.50% to 6.25% trims roughly $181 a month off principal and interest.
Ozaukee County rate-and-term refinance
On a representative $217,000 loan in Ozaukee County, the before-and-after looks like this:
| Monthly Principal & Interest | Amount |
|---|---|
| Current loan at ~7.50% | $1,517 |
| After refinancing at ~6.25% | $1,336 |
| Estimated monthly savings | $181 |
Figures assume a 30-year term and Wisconsin escrows — your actual numbers move with your credit and loan size. Get alerts when rates drop.
Ozaukee County refinance by loan size
Bigger balances save more each month. Here is the same 7.50%-to-6.25% move across three Ozaukee County loan sizes:
| Balance | Now (~7.50%) | Refi (~6.25%) | Monthly Saved |
|---|---|---|---|
| $152,000 | $1,063 | $936 | $127 |
| $217,000 | $1,517 | $1,336 | $181 |
| $293,000 | $2,049 | $1,804 | $245 |
Ozaukee County payment by interest rate
Here is the monthly principal and interest on a $217,000 Ozaukee County balance at a range of rates, for both 30- and 15-year terms:
| Rate | 30-yr P&I | 15-yr P&I |
|---|---|---|
| 5.50% | $1,232 | $1,773 |
| 5.75% | $1,266 | $1,802 |
| 6.00% | $1,301 | $1,831 |
| 6.25% | $1,336 | $1,861 |
| 6.50% | $1,372 | $1,890 |
| 6.75% | $1,407 | $1,920 |
| 7.00% | $1,444 | $1,950 |
A 15-year refinance of $217,000 near Ozaukee County runs about $1,861/month versus $1,336 on a 30-year — a higher payment near Ozaukee County but far less total interest over the life of the Ozaukee County loan.
Ozaukee County cash-out options
Need cash for a project near Ozaukee County? An 80%-LTV cash-out refinance frees up about $38,200 of your Ozaukee County equity in a single new loan.
| Cash-Out Figure | Amount |
|---|---|
| Estimated home value | $319,000 |
| Typical current balance | $217,000 |
| 80% LTV ceiling (new loan) | $255,200 |
| Estimated cash available | $38,200 |
In Ozaukee County, Wisconsin, property taxes average roughly 1.61% of value, so escrow on a $319,000 home adds about $428/month beyond principal and interest. A $217,000 balance sits near 68% loan-to-value, leaving about $102,000 in equity — room for a rate-and-term refinance now and a cash-out later around Ozaukee County.
Ozaukee County loan limits for 2026
Ozaukee County's 2026 conforming limit is $806,500 for a single-family home — the national baseline used across most of the Midwest. Refinance a balance above it and you are in jumbo territory, which carries its own rates and guidelines.
- Ozaukee County value about $319,000 with a $217,000 balance (~68% LTV).
- Monthly savings near $181; break-even around month 30 on $5,425 of costs.
- Five-year net of about $5,446 and cash-out room near $38,200.
- Conforming limit $806,500; current equity roughly $102,000 near Ozaukee County.
Your Free Refinance Rate Watch
Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- What could a refinance save me in Ozaukee County?
- On a typical $217,000 balance, moving from about 7.50% to 6.25% saves roughly $181/month in principal and interest. Your savings depend on your current rate, balance, and term.
- What is my cash-out limit in Ozaukee County?
- Conventional cash-out refinances are capped at 80% of appraised value. On an estimated $319,000 Ozaukee County home with a $217,000 balance, that is about $38,200 in available cash.
- When does a Ozaukee County refinance turn jumbo?
- The 2026 conforming limit is $806,500 for a one-unit home (the national baseline). Refinances above that are jumbo loans.
- How fast do I break even in Ozaukee County?
- Divide your closing costs (about $5,425 here) by your monthly savings. In this example you break even near month 30 — refinance only if you will keep the home past that.
- How much equity is in a typical Ozaukee County-area home?
- On an estimated $319,000 value with a $217,000 balance, that is about $102,000 in equity — roughly 32%. A conventional cash-out requires you to keep 20%.
- Is now a good time to refinance in Ozaukee County?
- A common rule of thumb: refinance when you can cut your rate by about 0.75 to 1% and stay past your break-even (near month 30 here). On a $217,000 Ozaukee County balance, that move is worth roughly $181 a month.