WI mortgage rates

Eau Claire County

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

Eau Claire 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 Eau Claire 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 Eau Claire

A local view of the market.

Eau Claire County, Wisconsin, has seen a steady increase in its real estate market, with the average home value reaching $301,992, marking a 3.7% rise over the past year. Homes in the area typically go to pending status in about 31 days, indicating a moderately active market. The county includes several notable cities, with Eau Claire being the largest, boasting a population of approximately 69,000 residents. Other significant cities include Altoona, with around 8,000 people, and Augusta, which is home to about 1,500 residents. These cities contribute to the county's diverse urban landscape. Living in Eau Claire County offers a blend of rural and suburban experiences. The area is characterized by its agricultural roots, with farming playing a significant role in the local economy. Suburban life is also prominent, particularly in the city of Eau Claire, which serves as a hub for industries such as healthcare, education, and manufacturing. The county attracts new residents due to its balanced lifestyle, affordable housing, and strong community ties, making it an appealing destination for those seeking a mix of rural charm and suburban convenience.

County snapshot

Market context.

WI

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

Market areaEau ClaireMapped market area
Area code20740CBSA / MSA reference
Featured communityEau ClaireFrom the county record
Data year2026Aligned with this limit record
Eau Claire
Top cities & communities

Communities to explore.

Eau Claire
Questions & Answers

Refinancing in Eau Claire County

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

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