WI mortgage rates

La Crosse County

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

La Crosse 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 La Crosse 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 La Crosse

A local view of the market.

La Crosse County, Wisconsin, has seen a significant rise in its real estate market, with the median home price reaching $315,000 as of September 2024, marking an 8.6% increase from the previous year. This growth reflects a strong demand for housing in the area, with homes typically selling after 12 days on the market. The county's largest city, La Crosse, boasts a population of approximately 52,673, making it the central hub of the region. Other notable cities include Onalaska, with a population of 18,868, and Holmen, home to 10,709 residents. These cities contribute to the county's vibrant community life and economic activity. La Crosse County offers a blend of rural and suburban living, with agriculture playing a significant role in its economy. The area is known for its healthcare, education, and manufacturing industries, attracting residents seeking employment opportunities and a high quality of life. The county's scenic landscapes and outdoor recreational activities also make it an appealing destination for those looking to relocate.

County snapshot

Market context.

WI

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

Market areaLa Crosse-OnalaskaMapped market area
Area code29100CBSA / MSA reference
Featured communityLa CrosseFrom the county record
Data year2026Aligned with this limit record
La Crosse
Top cities & communities

Communities to explore.

La Crosse
Questions & Answers

Refinancing in La Crosse County

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

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