WI mortgage rates

Ozaukee County

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

Ozaukee 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 Ozaukee 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 Ozaukee

A local view of the market.

The real estate market in Ozaukee County, Wisconsin, is currently a seller's market, with the median home sold price reaching $449,995 as of October 2024, reflecting an 8.5% increase from the previous year. The median price per square foot is $214, indicating a robust demand for housing in the area. Ozaukee County is home to several notable cities, including Mequon, Cedarburg, and Port Washington. Mequon is the largest city in the county, with a population of approximately 24,000 residents, known for its suburban charm and proximity to Milwaukee. Cedarburg, with a population of around 11,000, is celebrated for its historic downtown and vibrant community events, while Port Washington, home to about 12,000 people, offers picturesque views of Lake Michigan and a rich maritime history. Living in Ozaukee County offers a mix of suburban and rural experiences, with a strong emphasis on community and quality of life. The county is characterized by its suburban neighborhoods, agricultural lands, and small-town feel. Key industries include manufacturing, healthcare, and education, which attract residents seeking employment opportunities and a high standard of living. The county's appeal is further enhanced by its excellent schools, low crime rates, and access to natural amenities, making it an attractive destination for families and retirees 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 areaMilwaukee-WaukeshaMapped market area
Area code33340CBSA / MSA reference
Featured communityMequonFrom the county record
Data year2026Aligned with this limit record
Mequon
Top cities & communities

Communities to explore.

Mequon
Questions & Answers

Refinancing in Ozaukee County

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

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