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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.913%APR 6.950% | 0 pts$0 | $1,930/moP&I $1,930 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.944%APR 6.713% | 0 pts$0 | $1,911/moP&I $1,775 · MI $137 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.019%APR 6.071% | 0 pts$0 | $1,759/moP&I $1,759 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.802%APR 6.840% | 0 pts$0 | $1,909/moP&I $1,909 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.675% | 0 pts$0 | $2,072/moP&I $2,072 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.019% | 6.071% | 0 pts ($0) | $2,473/mo | $49,492 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.068% | 6.124% | 0 pts ($0) | $3,101/mo | $69,519 |
Condo 10% Down | 10% | 720 credit score | 7.204% | 7.374% | 0 pts ($0) | $2,236/mo | $78,516 |
Conventional 10% Down | 10% | 720 credit score | 6.616% | 6.772% | 0 pts ($0) | $2,107/mo | $72,680 |
Conventional 20% Down | 20% | 740 credit score | 6.913% | 6.950% | 0 pts ($0) | $1,930/mo | $59,759 |
Conventional 5% Down | 5% | 700 credit score | 7.032% | 7.511% | 0 pts ($0) | $2,320/mo | $81,075 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.356% | 7.396% | 0 pts ($0) | $2,522/mo | $86,722 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,165/mo | $73,363 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.820% | 7.196% | 0 pts ($0) | $2,319/mo | $83,708 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.802% | 6.840% | 0 pts ($0) | $2,386/mo | $80,610 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,019/mo | $71,988 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.944% | 6.713% | 0 pts ($0) | $2,141/mo | $74,977 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,217/mo | $77,607 |
FHA Streamline Refi | 0% | 640 credit score | 6.061% | 6.832% | 0 pts ($0) | $2,247/mo | $79,005 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.997% | 7.242% | 0 pts ($0) | $2,312/mo | $83,837 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,289/mo | $44,818 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.675% | 0 pts ($0) | $1,942/mo | $61,918 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,972/mo | $61,630 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,128/mo | $65,235 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.302% | 7.077% | 0 pts ($0) | $2,224/mo | $78,844 |
Second Home 10% Down | 10% | 720 credit score | 5.948% | 6.521% | 0 pts ($0) | $1,963/mo | $66,064 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,925/mo | $59,504 |
VA 0% Down | 0% | 700 credit score | 6.063% | 6.308% | 0 pts ($0) | $2,256/mo | $74,610 |
VA Cash-Out Refi | 0% | 640 credit score | 6.067% | 6.436% | 0 pts ($0) | $2,257/mo | $74,655 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.073% | 6.226% | 0 pts ($0) | $2,258/mo | $74,722 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,013/mo | $63,696 |
Frequently Asked Questions
What are today's mortgage rates in 54845, , WI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 54845, , WI is 6.913% (with an estimated monthly payment of $2,116). Active program rates also include FHA 30-year fixed loans at 5.944% and VA 0%-down fixed loans at 6.063%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 54845, , WI?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 54845, , WI have fluctuated between a low of 6.545% and a high of 6.992%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 54845, , WI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $365,893 in 54845, , WI, a standard 20%-down Conventional loan requires an upfront cash down payment of $73,179 but keeps your monthly payment lower at $2,116/mo (at 6.913% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,806 (3.5% down) but has an estimated payment of $2,347/mo (at 5.944% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $353,087 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 54845 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 54845 is $806,501. With a typical local home value of $365,893 in , a standard 20%-down mortgage requires a loan size of $292,714. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 54845, , WI impact estimated mortgage payments?
The median home value in 54845, , WI is estimated at $365,893. Buying a typical home here with a standard 20% down payment ($73,179) translates to an estimated starting monthly mortgage payment of $2,116 (principal and interest). Compared to the local area median household income of $67,500 ($5,625/mo), this basic housing payment represents approximately 37.6% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.