WI mortgage rates

Winnebago County

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

Winnebago 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 Winnebago 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 Winnebago

A local view of the market.

The real estate market in Winnebago County, Wisconsin, is currently experiencing a seller's market, with median home values showing a notable increase. As of October 2024, the median home sold price in the county was $269,385, reflecting a 7.7% rise from the previous year. Additionally, the average home value in the county is approximately $274,938, which is up by 5.1% over the past year. Winnebago County is home to several prominent cities, including Oshkosh, Neenah, and Menasha. Oshkosh is the largest city, known for its vibrant community and educational institutions, with a population of around 66,000 residents. Neenah, with a population of approximately 27,000, is recognized for its family-friendly environment and strong local economy. Menasha, another key city, has a population of about 18,000 and offers a mix of suburban and urban living. Living in Winnebago County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its picturesque landscapes, including farms and open spaces, alongside suburban neighborhoods that provide modern amenities. Key industries include manufacturing, healthcare, and education, which attract residents seeking employment opportunities. The county's appealing lifestyle, combined with its economic prospects, makes it an attractive destination for those looking to relocate.

County snapshot

Market context.

WI

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

Market areaOshkosh-NeenahMapped market area
Area code36780CBSA / MSA reference
Featured communitiesOshkosh · NeenahFrom the county record
Data year2026Aligned with this limit record
OshkoshNeenah
Top cities & communities

Communities to explore.

OshkoshNeenah
Questions & Answers

Refinancing in Winnebago County

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

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