WI mortgage rates

Pepin County

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

Pepin 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 Pepin 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 Pepin

A local view of the market.

The real estate market in Pepin County, Wisconsin, is currently characterized as a buyer's market, with the median home price at $225,000 as of October 2024. This represents a 3% decrease from the previous year, indicating a slight decline in home values. The median price per square foot is $140, reflecting the county's affordability compared to neighboring regions. Pepin County includes several small communities, with the village of Pepin being one of the most notable, known for its historical significance and charming atmosphere. The population of Pepin is approximately 800 residents. Another key area is the city of Durand, which serves as the county seat and has a population of around 1,900 people. These communities offer a glimpse into the rural lifestyle prevalent in the county. Living in Pepin County offers a predominantly rural experience, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a serene environment for residents. The primary industries include agriculture, manufacturing, and tourism, with many people attracted to the area for its natural beauty and slower pace of life. Migration patterns suggest that individuals seeking a quieter, rural lifestyle are drawn to Pepin County, often moving from more urbanized areas.

Questions & Answers

Refinancing in Pepin County

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

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