WI mortgage rates

Richland County

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

Richland 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 Richland 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 Richland

A local view of the market.

Richland County, Wisconsin, is experiencing a dynamic real estate market with a median listing home price of $395,000 as of October 2024, which represents a significant increase of 66.7% year-over-year. However, the median sold price was $195,450, indicating a decrease of 33% from the previous month. This suggests a competitive market where homes are selling for less than their listing prices. Richland County comprises several cities, with Richland Center being the largest, offering a median home price of $389,900. Other notable cities include Lone Rock, with a median home price of $200,000, and Viola, which features a variety of housing options. These cities provide diverse living environments and contribute to the county's overall housing market dynamics. Living in Richland County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and healthcare, which attract residents seeking employment opportunities and a quieter lifestyle. The migration patterns suggest that people move to Richland County for its affordable housing, scenic landscapes, and community-focused living.

Questions & Answers

Refinancing in Richland County

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

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