WI mortgage rates

Dane County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Dane 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

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

About Dane

A local view of the market.

In October 2024, the real estate market in Dane County, Wisconsin, saw a median listing home price of $450,000, which remained stable compared to the previous year. The median price per square foot was $237, and homes typically sold for around $433,500. Dane County's largest city is Madison, with a population of approximately 282,005. Other significant cities include Sun Prairie with 38,495 residents, Fitchburg with 32,713, and Middleton with 23,336. Living in Dane County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture alongside suburban development. The county is known for its high-quality natural areas, recreational opportunities, and cultural amenities, which attract newcomers. Key industries include education, healthcare, and technology, contributing to the county's economic growth. Migration patterns indicate that people are moving to Dane County for its employment opportunities and quality of life.

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
Featured communitiesMadison · Fitchburg · MiddletonFrom the county record
Data year2026Aligned with this limit record
MadisonFitchburgMiddleton
Top cities & communities

Communities to explore.

MadisonFitchburgMiddletonSun Prairie
Questions & Answers

Refinancing in Dane County

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

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