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La Crosse

Compare Current La Crosse, Wisconsin Mortgage Rates

Compare La Crosse, WI mortgage rates and fees from top lenders. 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 lowest 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.

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La Crosse, WI Mortgage Rates as of April 12, 2024
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Input your information to receive personalized mortgage quotes from preferred lenders. Comparing proposals from multiple lenders is the best way to save money on your mortgage.

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's La Crosse, WI Mortgage Rates

April 12, 2024

Current mortgage rates in La Crosse, WI are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
La Crosse, WI Rates
National
Average
Comparison
30 Year Fixed Rate
%
6.669%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%

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 $242,760

Based on current mortgage rates and a 10% down payment, you need to make $50,644 per year to buy the median priced home in La Crosse

With this income, you could qualify for a $218,484 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 $1,173

The median household income for La Crosse, WI is $61,264

Based on this income, you can afford a home valued at approximately $293,667

The home price you can afford to buy based on household income in La Crosse is 121% of the median home value which means housing prices are average. La Crosse ranks 65 out of 72 counties in Wisconsin and 2,487 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

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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: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for La Crosse, WI

1 unit: $472,030
2 units: $604,400
3 units: $730,525
4 units: $907,900

VA loan limits for La Crosse, WI

1 unit: $726,200

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