La Crosse

Current Mortgage Rates in La Crosse, Wisconsin

Compare mortgage rates and fees for leading lenders in La Crosse, 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 La Crosse.

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

Mortgage Rates in La Crosse, WI as of September 19, 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 La Crosse, WI Mortgage Rates Compare?

September 19, 2020

The current average rate for a 30 year fixed rate mortgage in La Crosse 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
La Crosse, WI Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in La Crosse, Wisconsin?

Below we provide helpful information on the real estate market, home prices and housing affordability in La Crosse. Understand how much you need to earn to afford a home in La Crosse, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in La Crosse 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 La Crosse is right for you.

The median home value for La Crosse, WI is $193,714

Based on current mortgage rates and a 10% down payment, you need to make $34,864 per year to buy the median priced home in La Crosse

With this income, you could qualify for a $174,343 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 La Crosse is $807

The median household income for La Crosse, WI is $57,085

Based on this income, you can afford a home valued at approximately $317,182

The home price you can afford to buy based on household income in La Crosse is 164% of the median home value which means housing prices are average. La Crosse ranks 56 out of 72 counties in Wisconsin and 2,286 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in La Crosse, WI is average


Loan Limits for La Crosse, Wisconsin

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

Conforming loan limits for La Crosse, WI

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

FHA loan limits for La Crosse, WI

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

VA loan limits for La Crosse, WI

1 unit: $510,400

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