WI mortgage rates

Rock County

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

Rock 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 Rock 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 Rock

A local view of the market.

The real estate market in Rock County, Wisconsin, has seen a steady increase in home values. As of September 2024, the median sale price of a home in Rock County was $268,000, reflecting a 7.2% increase compared to the previous year. Homes in the area typically sell after an average of 52 days on the market, indicating a moderately competitive market environment. Rock County is home to several notable cities, including Janesville, Beloit, Edgerton, and Milton. Janesville, the largest city in the county, has a population of approximately 65,000 residents. Beloit follows with around 36,000 residents, while Edgerton and Milton have populations of about 5,500 and 5,600, respectively. These cities contribute significantly to the county's economic and cultural landscape. Living in Rock County offers a mix of rural and suburban experiences, with agriculture playing a vital role in the local economy. The county's landscape is characterized by both farmland and suburban developments, providing diverse living options. Key industries include manufacturing, healthcare, and education, attracting residents seeking employment opportunities. The county's relatively affordable housing and quality of life make it an appealing destination for those looking to relocate from more urbanized areas.

County snapshot

Market context.

WI

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

Market areaJanesville-BeloitMapped market area
Area code27500CBSA / MSA reference
Featured communitiesBeloit · JanesvilleFrom the county record
Data year2026Aligned with this limit record
BeloitJanesville
Top cities & communities

Communities to explore.

BeloitJanesville
Questions & Answers

Refinancing in Rock County

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

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