Today's mortgage rates in Wisconsin

Today's mortgage rates in Wisconsin

Rate

6.75%

APR

7.046%

Points

2 ($7,000)

As of Friday, May 29, 2026, Rocket Mortgage's 30-year fixed mortgage rate in Wisconsin is 6.75%, with an APR of 7.046%.

Legal disclosures

The Rocket Mortgage Purchase Rates are for estimation purposes only. Every situation is different. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. Mortgage rates and pricing could change daily. Actual payments will vary based on your individual situation and current rates. Some products may not be available in all states. Some jumbo products may not be available to first time home buyers. Lending services may not be available in all areas. Some restrictions may apply. This is not a commitment to lend.

30-year Fixed-Rate Loan: An interest rate of 6.75% (7.046% APR) is for the cost of 2.00 point(s) ($7,000.00) paid at closing. On a $350,000 mortgage, you would make monthly payments of $2,270.10. Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80.00%.

Assumptions

For all rates shown, unless otherwise noted, we assumed:
  • You’re buying a single-family home that’s your primary residence.
  • Closing costs will be paid up front, not rolled into the loan.
  • Your debt-to-income ratio is less than 43%.
  • Your credit score is 740.
  • You’ll have an escrow account for payment of taxes and insurance.
Dark red house with string lights, stone chimney, and two red chairs with a table in the yard.

Wisconsin mortgage rates

These rates are based on a sample scenario with common loan assumptions. Monthly payments are based on a $350K loan and a $1.1M jumbo loan. Taxes and insurance aren’t included in the estimate, so the actual payment will be higher.

30-year fixed

Rate

6.75%

APR
7.046%

Monthly payment$2,271

Points

2 ($7,000)

Estimate my rate Learn about 30-year fixed

20-year fixed

Rate

6.5%

APR
6.883%

Monthly payment$2,610

Points

2 ($7,000)

Estimate my rate Learn about 20-year fixed

30-year FHA

Rate

5.99%

APR
6.818%

Monthly payment$2,242

Points

1.75 ($6,125)

Estimate my rate Learn about FHA loans

30-year jumbo fixed

Rate

5.875%

APR
6.095%

Monthly payment$6,507

Points

1.875 ($20,625)

Estimate my rate Learn about jumbo loans

30-year VA

Rate

5.99%

APR
6.372%

Monthly payment$2,097

Points

1.75 ($6,125)

Estimate my rate Learn about VA loans
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Buyers, get $12,000 back

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Rates are current as of 5:20 PM UTC on May 29, 2026

Legal disclosures

Every situation is different. These figures are for estimation purposes only and may not reflect the exact terms of your loan. This is not a commitment to lend.

30-year Fixed-Rate Loan: Payment assumes a loan-to-value (LTV) of 80.00%.

20-year Fixed-Rate Loan: Payment assumes a loan-to-value (LTV) of 80.00%.

30-year FHA Fixed-Rate Loan: Payment assumes a loan-to-value (LTV) of 80.00%.

Payment includes a one-time upfront mortgage insurance premium at 1.75% of the base loan amount and a monthly mortgage insurance premium (MIP) calculated at 0.5% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of 80.00%, the 0.5% monthly MIP will be paid for the first 11 years of the mortgage term. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments until the end of the loan.

30-year Fixed-Rate Jumbo Loan: Payment assumes a loan-to-value (LTV) of 70.00%.

30-year Fixed-Rate VA Loan: Payment assumes a loan-to-value (LTV) of 80.00%.

VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

Assumptions
For all rates shown, unless otherwise noted, we assumed:

  • You’re buying a single-family home that’s your primary residence.
  • Closing costs will be paid up front, not rolled into the loan.
  • Your debt-to-income ratio is less than 43%.
  • Your credit score is 740.
  • You’ll have an escrow account for payment of taxes and insurance.
  • One point is equal to one percent of the loan amount.

Wisconsin mortgage options

All listed loan options are available in all 50 states. The price of each loan may vary by state due to state taxes and fees.

30-year fixed

Lower monthly payments and a stable interest rate throughout the life of the loan 

As low as 3% down payment

Jumbo loan

Financing for high‑value homes above the conforming loan limits

10-20% down payment

15-year fixed

Faster payoff and less interest paid overall, but higher monthly payment 

As low as 5% down payment

VA loan

A benefit of military service, you can purchase a home with lower credit and nothing down 

As low as 0% down payment

FHA loan

Qualify with a lower credit profile and more debt compared to other options 

As low as 3.5% down payment

Adjustable Rate Mortgage

Lower introductory rate for 5, 7 or 10 years before adjusting semiannually 

As low as 5% down payment

HomeReady® and Home Possible®

Designed to make buying a home more affordable.

As low as 3% down payment

ONE+ by Rocket Mortgage®

Designed to make buying a home more affordable with just 1% down and additional 2% from Rocket Mortgage.1
As low as 1% down payment

ONE+ by Rocket Mortgage®

1Client will be required to pay a 1% down payment, with the ability to pay a maximum of 3%, and Rocket Mortgage will cover an additional 2% of the client’s purchase price as a down payment, or $2,000. Maximum grant amount is $7,000. Offer valid on primary residence, conventional loan products only. Maximum loan amount of $350,000. Cost of mortgage insurance premium passed through to client effective January 2, 2024. Offer valid only for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. Not available with any other discounts or promotions and cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply.

Home Equity Loan

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments 2.
Get cash out

Home Equity Loan

2Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 2/5/2024 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00 (minimum loan amount for properties located in Michigan is $10,000.00). Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Schwab products. Guidelines may vary for self-employed individuals. Some mortgages may be considered “higher priced” based on the APOR spread test. Higher priced loans are not allowed on properties located in New York. Additional restrictions apply. Not available in Texas. This is not a commitment to lend.

Bridge loan

A 6-month loan that lets you use the equity of your current home before it’s sold.

Buy before you sell

Cash-out refinance

Swap your current loan for one that puts extra cash in your pocket.

Get cash out
View all home loans

Mortgage calculator

If you’re thinking about buying a home, we can help you estimate your monthly mortgage payment. All fields are required.

An average down payment is about 5% of the home price.

A 30-year term is the most popular loan length because it has the lowest payments.

Mortgage interest rates change all the time, but they’re usually in the 6% to 9% range.

We estimate these based on the ZIP code you entered, or you can enter your own numbers.

Usually based on the home value and location. To estimate yours, look at listings on Rocket Homes.

Usually around $1,000 per month, but the cost can vary based on location and coverage.

Down payment assistance programs in Wisconsin

Down payment assistance

Rocket Mortgage works with a wide range of down payment assistance programs to help make homeownership more attainable

Lower your upfront costs

Expand your buying options

Use assistance programs with your loan

Grants, loans, and support

Down payment assistance helps home buyers cover upfront costs through grants, loans, or matched savings programs.

Offer favorable loan conditions

Help cover closing costs

Support first-time home buyers

Rent Rewards

Eligible renters may save up to $5,000 in closing costs when buying a home with Rocket Mortgage.

Earn rewards on rent payment

Save money on your mortgage

Get up to $5,000 back

3 of 3 programs

Frequently asked questions

You can also get help from a Home Loan Expert.

Interest rate is the percentage of the loan you’ll repay the lender for the cost of borrowing. APR (average percentage rate) is the interest rate plus additional costs associated with your loan, such as mortgage points or private mortgage insurance (PMI). APR gives a more comprehensive view of the loan’s total cost, while the interest rate is the basic cost of borrowing.

Compare rates between mortgage lenders: It’s common that lenders offer slightly different rates and fees. Comparing rates, fees, and the loan terms could help you save in the long-run.

Check interest rate trends: Are rates increasing or decreasing? If interest rates may increase, it could be a good time to lock in the rate. If interest rates may decrease, it could be a good idea to wait.

Understand the lock period: How long is the rate lock valid? The rate lock could last anywhere from 30 to 60 days. Make sure the rate lock covers enough time until your planned closing date. If the lock period expires, you could lose the rate or pay to extend the lock.

Find out the costs associated with a rate lock: Some, but not all, lenders require a fee to lock in an interest rate, so be sure to weigh your options. You could also have costs associated with extending a rate lock.

Ask about float-down options: Some lenders offer float-down options, which may allow you to switch to a new, lower rate, if interest rates drop. You could have to pay an additional fee.

Buying mortgage points: Mortgage points, or discount points, are an upfront cost you pay to lower your interest rate. Speak with your mortgage lender about the costs and whether this option is right for you.

In Wisconsin, mortgage rates are influenced by both personal and property factors. If you're purchasing a home near high-risk flood zones, like lakes and rivers, your mortgage rate could change, and your lender could require you to carry flood insurance. Rural properties and seasonal cabins are common in Wisconsin, so lending requirements for these homes may differ. Your lender also reviews your credit score, down payment, loan type, and debt-to-income ratio (DTI) to determine your mortgage rate.

What clients say about working with us

Every question we had was answered quickly and in a way we could understand.

- Diane L.

I refinanced my VA Loan through Rocket Mortgage ... the actual closing took about 20 minutes at my kitchen table.

- Sapperld M.

I’ve used Rocket Mortgage in the past … I can honestly say they keep upping their game.

- Catherine P.

I am highly satisfied with my experience with Rocket Mortgage ... throughout all the purchasing process.

- Mohamed

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Important legal disclosures

1 Clients who use a Redfin, Redfin partner agent, Compass, or Compass-affiliated brokerage real estate agent for their purchase transaction may be eligible for a lender credit equal to 0.75% of the final loan amount, up to $6,000, depending on program requirements. Actual savings and eligibility vary based on transaction details and program requirements.

In lieu of lender paid credits, clients may elect a 1-0 temporary buydown. All loans are subject to underwriting approval, and not all applicants will qualify. Loan terms, client, and property must meet applicable investor and program guidelines; the credit may be reduced per investor or regulatory guidelines. Offer valid only on retail loans with conforming loan limits. Non-Qualified Mortgage, Debt Service Coverage Ratio, Interest-Only, Bank Statement, and Jumbo loans are eligible for a lender-paid credit of 0.25% of the loan amount, with no cap. This offer may not be combined with any other discount or offer, and may not be applied on loans through Schwab, Relocation, Rocket Pro, Home Loan Benefit Partners or on team member referrals or team member loans. Rocket Mortgage reserves the right to modify or cancel this offer at any time. Additional restrictions and conditions apply. This is not a commitment to lend.

Rocket Mortgage clients who buy and sell with a Redfin agent may also be eligible for an additional real estate commission discount equal to the lender-paid credit provided by Rocket Mortgage described above, which will be reflected as either a brokerage credit or a discount on Redfin’s fee at the time of the second qualifying transaction. The second transaction, whether a purchase or sale, must close by December 31, 2026. If the client elected the 1-0 temporary buydown from Rocket Mortgage, the commission discount will be 0.75% of the loan amount, up to $6,000. This discount is provided solely by Redfin and is subject to Redfin agent availability. Additional restrictions and conditions apply. This discount may not be combined with any other discount or offer. The discount may be reduced per investor or regulatory guidelines. Not available in all states. Redfin may modify or cancel this offer at any time. Rocket Mortgage and Redfin are affiliated companies and use of each is optional.