WI mortgage rates

Columbia County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Columbia County, Wisconsin. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Columbia County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Columbia County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Columbia

A local view of the market.

Columbia County, Wisconsin, has a dynamic real estate market with a median listing home price of $358,200 as of October 2024, reflecting a 2.4% increase from the previous year. The median home sold price is slightly lower at $324,300, indicating a competitive market where homes are selling close to their listing prices. This trend suggests a strong demand for housing in the area. The county includes several notable cities, such as Portage, Lodi, Poynette, and Columbus. Portage, the largest city, has a median home price of $259,900, while Lodi, known for its scenic views, has a higher median price of $550,000. Poynette and Columbus offer more affordable options with median prices of $382,400 and $347,000, respectively. These cities provide diverse living environments and amenities, catering to different lifestyle preferences. Living in Columbia County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is characterized by farms and open spaces, attracting those seeking a quieter, rural lifestyle. The top industries include agriculture, manufacturing, and retail trade, which support the local economy. The area has seen migration patterns influenced by people moving from urban centers seeking more space and a slower pace of life, making it an appealing destination for families and retirees.

County snapshot

Market context.

WI

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaMadisonMapped market area
Area code31540CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Columbia County

Common questions about 2026 loan limits and refinancing opportunities in Wisconsin.

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