WI mortgage rates

Washburn County

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

Washburn 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 Washburn 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 Washburn

A local view of the market.

Washburn County, Wisconsin, presents a diverse real estate market with a median home value of approximately $196,900. The area has seen a variety of home prices, with a significant portion of homes valued between $100,000 and $399,000. The rental market is also active, with a median rent of $805, reflecting a cost-effective living option compared to national averages. The county encompasses several notable cities, including Spooner, Birchwood, Minong, and Shell Lake. Spooner, the largest city, is known for its vibrant community and serves as a hub with a population of around 2,600 residents. Birchwood and Minong offer smaller, close-knit communities with populations of approximately 400 and 500, respectively, while Shell Lake is home to about 1,300 people, providing a mix of rural charm and suburban amenities. Living in Washburn County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes, making it attractive for those seeking a quieter, nature-oriented lifestyle. The top industries include agriculture, manufacturing, and tourism, drawing individuals and families looking for a peaceful environment with opportunities for outdoor recreation. The county's appeal is enhanced by its affordable housing and the migration of people seeking a balance between rural tranquility and suburban convenience.

Questions & Answers

Refinancing in Washburn County

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

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