WI mortgage rates

Florence County

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

Florence 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 Florence 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 Florence

A local view of the market.

Florence County, Wisconsin, has seen a notable increase in its real estate market, with the median home price reaching $326,000 as of September 2024, marking a 25.4% rise from the previous year. This growth reflects a competitive market where homes are selling faster and often above the list price, indicating strong demand in the area. The county is home to several small communities, with Florence being the largest city and the county seat, having a population of approximately 458. Other notable areas include Long Lake, which has a smaller population of around 54 residents. Florence County offers a predominantly rural lifestyle, characterized by its vast natural landscapes and outdoor recreational opportunities. The local economy is supported by industries such as education, health services, manufacturing, and retail trade. The county attracts new residents seeking a quieter, more nature-oriented lifestyle, often moving from more urbanized areas for its serene environment and lower cost of living.

County snapshot

Market context.

WI

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

Market areaIron MountainMapped market area
Area code27020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Florence County

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

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