WI mortgage rates

Portage County

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

Portage 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 Portage 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 Portage

A local view of the market.

The real estate market in Portage County, Wisconsin, has experienced a notable increase in home values over the past year. As of October 2024, the median listing home price in the county was approximately $348,300, reflecting a 9.7% increase from the previous year. The median home sold price was around $277,000, indicating a slight decrease from the previous month. Portage County includes several prominent cities, with Stevens Point being the largest, boasting a population of about 25,000 residents. Plover, another key city, has a population of approximately 12,000. These cities serve as central hubs for the county, offering a mix of urban and suburban living environments. Living in Portage County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its farming and agricultural industries, which contribute to its rural charm. Additionally, the presence of educational institutions and healthcare facilities supports a suburban lifestyle. Migration patterns suggest that people are attracted to the county for its affordable housing and quality of life, making it a desirable location for families and retirees alike.

County snapshot

Market context.

WI

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

Market areaStevens PointMapped market area
Area code44620CBSA / MSA reference
Featured communityStevens PointFrom the county record
Data year2026Aligned with this limit record
Stevens Point
Top cities & communities

Communities to explore.

Stevens Point
Questions & Answers

Refinancing in Portage County

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

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