Current Mortgage Rates in Oshkosh, Wisconsin

Compare mortgage rates and fees for leading lenders in Oshkosh, 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 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.

Mortgage Rates in Oshkosh, WI as of September 21, 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 Oshkosh, WI Mortgage Rates Compare?

September 21, 2020

The current average rate for a 30 year fixed rate mortgage in Oshkosh 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
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 $183,834

Based on current mortgage rates and a 10% down payment, you need to make $33,085 per year to buy the median priced home in Oshkosh

With this income, you could qualify for a $165,450 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 $766

The median household income for Oshkosh, WI (Winnebago County) is $58,140

Based on this income, you can afford a home valued at approximately $323,048

The home price you can afford to buy based on household income in Oshkosh is 176% of the median home value which means housing prices are average. Oshkosh (Winnebago County) ranks 45 out of 72 counties in Wisconsin and 2,048 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: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Oshkosh, WI

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

VA loan limits for Oshkosh, WI

1 unit: $510,400

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