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Compare Current Waukesha, Wisconsin Mortgage Rates
Compare Waukesha, 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 Waukesha.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Waukesha. Plus, shopping lenders is free and there is no obligation.
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Waukesha, WI Mortgage Rates as of February 8, 2023
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Waukesha, WI Mortgage Rates
February 8, 2023
Current mortgage rates in Waukesha, 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 Waukesha, WI Rates
National Average
Comparison
30 Year Fixed Rate
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6.090%
15 Year Fixed Rate
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5.140%
5/1 Adjustable Rate Mortgage
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5.125%
How Affordable is Housing in Waukesha, Wisconsin?
Below we provide helpful information on the real estate market, home prices and housing affordability in Waukesha. Understand how much you need to earn to afford a home in Waukesha, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Waukesha 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 Waukesha is right for you.
The median home value for Waukesha, WI is $362,635
Based on current mortgage rates and a 10% down payment, you need to make $59,416 per year to buy the median priced home in Waukesha
With this income, you could qualify for a $326,371 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 Waukesha is $1,376
The median household income for Waukesha, WI is $97,871
Based on this income, you can afford a home valued at approximately $597,334
The home price you can afford to buy based on household income in Waukesha is 165% of the median home value which means housing prices are average.
Waukesha ranks 66 out of 72 counties in Wisconsin and 2,399 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Waukesha, WI is average
Loan Limits for Waukesha, Wisconsin
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Waukesha below.
Conforming loan limits for Waukesha, WI
1 unit:$647,200
2 units:$828,700
3 units:$1,001,650
4 units:$1,244,850
FHA loan limits for Waukesha, WI
1 unit:$420,680
2 units:$538,650
3 units:$651,050
4 units:$809,150
VA loan limits for Waukesha, WI
1 unit:$647,200
Additional Mortgage Resources for Waukesha, WI Residents