WI mortgage rates

St. Croix County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Croix 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

St. Croix 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$552,000
2 units$706,650
3 units$854,200
4 units$1,061,550

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 St. Croix 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 St. Croix

A local view of the market.

The real estate market in St. Croix County, Wisconsin, is currently experiencing a neutral market condition, with home prices showing a moderate increase. As of October 2024, the median home sold price was approximately $391,245, reflecting a 5.7% increase from the previous year. The market's stability suggests that homes are priced reasonably, and properties tend to remain on the market for a typical duration. St. Croix County is home to several notable cities, including Hudson, New Richmond, and River Falls. Hudson, the largest city, has a population of around 14,000 residents and serves as a gateway to the Twin Cities metropolitan area. New Richmond, with a population of approximately 9,000, is known for its vibrant community and growing economic opportunities. River Falls, housing about 15,000 people, is recognized for its educational institutions and scenic beauty. Living in St. Croix County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. 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 agriculture, manufacturing, and retail trade, contributing to the local economy. The county attracts new residents due to its proximity to the Twin Cities, affordable housing, and a peaceful environment, making it an appealing choice for those seeking a balance between rural and suburban living.

County snapshot

Market context.

WI

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

Market areaMinneapolis-St. Paul-BloomingtonMapped market area
Area code33460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in St. Croix County

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

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