WI mortgage rates

Manitowoc County

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

Manitowoc 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 Manitowoc 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 Manitowoc

A local view of the market.

The real estate market in Manitowoc County, Wisconsin, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price in Manitowoc was $211,325, reflecting a 5.7% increase from the previous year, with a median price per square foot of $150. The average home value in the county is $235,911, marking an 8.9% rise over the past year. Manitowoc County is home to several key cities, with Manitowoc being the largest. Manitowoc itself has a population of approximately 33,000 residents, making it a central hub for the county. Another significant city is Two Rivers, which has a population of around 11,000. These cities serve as the primary urban centers within the county, providing a mix of residential and commercial opportunities. Living in Manitowoc County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes, including farmland and suburban neighborhoods. Key industries include manufacturing and agriculture, which attract residents seeking employment opportunities. The county's appeal is enhanced by its affordable housing market and the quality of life it offers, drawing people who are looking for a balance between 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 areaManitowocMapped market area
Area code31820CBSA / MSA reference
Featured communityManitowocFrom the county record
Data year2026Aligned with this limit record
Manitowoc
Top cities & communities

Communities to explore.

Manitowoc
Questions & Answers

Refinancing in Manitowoc County

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

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