WI mortgage rates

Racine County

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

Racine 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 Racine 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 Racine

A local view of the market.

The real estate market in Racine County, Wisconsin, has seen a significant increase in home values over the past year. As of October 2024, the median home sold price in the county was $285,159, which represents a 14.1% increase from the previous year. This upward trend indicates a strong seller's market, with homes selling quickly and often above the asking price. Racine County is home to several notable cities, including Racine, Burlington, and Mount Pleasant. Racine, the largest city in the county, has a population of approximately 77,000 residents. Burlington, known for its charming downtown and community events, has a population of around 11,000. Mount Pleasant, a rapidly growing area with a mix of residential and commercial developments, has a population of about 27,000. Living in Racine County offers a blend of suburban and rural experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a rural charm, while suburban areas offer modern amenities and conveniences. Key industries include manufacturing, healthcare, and education, attracting new residents seeking employment opportunities. Additionally, the county's proximity to Milwaukee and Chicago makes it an attractive location for those looking to relocate for a quieter lifestyle while maintaining access to urban centers.

County snapshot

Market context.

WI

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

Market areaRacineMapped market area
Area code39540CBSA / MSA reference
Featured communitiesRacine · Mount Pleasant · CaledoniaFrom the county record
Data year2026Aligned with this limit record
RacineMount PleasantCaledonia
Top cities & communities

Communities to explore.

RacineMount PleasantCaledonia
Questions & Answers

Refinancing in Racine County

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

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