Compare Current Oshkosh, Wisconsin Mortgage Rates

Compare Oshkosh, 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 Oshkosh.

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

Oshkosh, WI Mortgage Rates as of July 19, 2024
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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, insurance premiums or private mortgage insurance if applicable. 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 Oshkosh, WI Mortgage Rates

July 19, 2024

Current mortgage rates in Oshkosh, 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
Oshkosh, WI Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Oshkosh, Wisconsin?

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

The median home value for Oshkosh, WI (Winnebago County) is $209,776

Based on current mortgage rates and a 10% down payment, you need to make $43,763 per year to buy the median priced home in Oshkosh

With this income, you could qualify for a $188,799 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 Oshkosh is $1,013

The median household income for Oshkosh, WI (Winnebago County) is $65,031

Based on this income, you can afford a home valued at approximately $311,725

The home price you can afford to buy based on household income in Oshkosh is 149% of the median home value which means housing prices are average. Oshkosh (Winnebago County) ranks 39 out of 72 counties in Wisconsin and 1,922 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Oshkosh, Wisconsin

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Oshkosh (Winnebago County) below.

Conforming loan limits for Oshkosh, WI

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

FHA loan limits for Oshkosh, WI

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

VA loan limits for Oshkosh, WI

1 unit: $726,200

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