Eau Claire

Current Mortgage Rates in Eau Claire, Wisconsin

Compare mortgage rates and fees for leading lenders in Eau Claire, WI. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Eau Claire.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Eau Claire. Plus, shopping lenders is free and there is no obligation.

Mortgage Rates in Eau Claire, WI as of September 18, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Eau Claire, WI Mortgage Rates Compare?

September 18, 2020

The current average rate for a 30 year fixed rate mortgage in Eau Claire is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Eau Claire, WI Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Eau Claire, Wisconsin?

Below we provide helpful information on the real estate market, home prices and housing affordability in Eau Claire. Understand how much you need to earn to afford a home in Eau Claire, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Eau Claire fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Eau Claire is right for you.

The median home value for Eau Claire, WI is $199,998

Based on current mortgage rates and a 10% down payment, you need to make $35,995 per year to buy the median priced home in Eau Claire

With this income, you could qualify for a $179,999 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Eau Claire is $834

The median household income for Eau Claire, WI is $55,029

Based on this income, you can afford a home valued at approximately $305,761

The home price you can afford to buy based on household income in Eau Claire is 153% of the median home value which means housing prices are average. Eau Claire ranks 65 out of 72 counties in Wisconsin and 2,485 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Eau Claire, WI is average


Loan Limits for Eau Claire, Wisconsin

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Eau Claire below.

Conforming loan limits for Eau Claire, WI

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Eau Claire, WI

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for Eau Claire, WI

1 unit: $510,400

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