WI mortgage rates

Oconto County

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

Oconto 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 Oconto 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 Oconto

A local view of the market.

The real estate market in Oconto County, Wisconsin, is currently a seller's market, with the median home sold price reaching $243,750 in October 2024. This represents a 14.6% increase from the previous year, with homes selling at an average of $159 per square foot. The county has seen a steady rise in home values, making it an attractive area for sellers. Oconto County includes several notable cities, such as Oconto, Oconto Falls, and Little Suamico. Oconto, the county seat, has a population of approximately 4,500 residents. Oconto Falls is another significant city with a population of around 2,800, and Little Suamico, known for its suburban feel, has about 4,800 residents. These cities contribute to the county's diverse community and economic landscape. Living in Oconto County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural activities, providing a rural charm alongside suburban conveniences. Top industries include manufacturing, healthcare, and agriculture, attracting residents seeking a quieter lifestyle with access to outdoor activities. The county's affordable housing and scenic landscapes make it appealing for those looking to relocate from more urban areas.

County snapshot

Market context.

WI

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

Market areaGreen BayMapped market area
Area code24580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Oconto County

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

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