Brian McKay
Current 30-year fixed mortgage rates in Green Bay, Wisconsin include Bay BankBay Bank2550 W Mason St, Green Bay, WI, 54303A5.0 ★Texas Ratio: 8.66% at 5.00%, Wells FargoWells Fargo1482 W Mason St, Green Bay, WI, 54301A5.0 ★Texas Ratio: 6.32% at 6.25%, Shoreline Credit UnionShoreline Credit Union2354 E Mason St, Green Bay, WI, 54302A+5.0 ★Texas Ratio: 3.11% at 6.38%, Baxter Credit UnionBaxter Credit Union2020 Innovation Ct, Green Bay, WI, 54344 0001A5.0 ★Texas Ratio: 6.20% at 6.62%, and North Shore BankNorth Shore Bank1620 W Mason St, Green Bay, WI, 54301A+5.0 ★Texas Ratio: 0.50% at 6.75%. Mortgage rates as of September 16, 2026 according to verified data from MonitorBankRates.
Green Bay borrowers can compare 253 mortgage rates from 70 lenders serving the Wisconsin area, including 12 local, with rates as low as 5.00% from Bay Bank at 2550 W Mason St, Green Bay, WI, 54303. Use the tabs below to compare all available loan types and terms. Rates are continually updated, so we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Wisconsin borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: September 16, 2026
Loan amount: $150,000; Down Payment: 5.00%; Credit Score: 740 or above. Private Mortgage Insurance is required for loans with less than 20% down payment. Actual payment obligation may be greater.
Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
No additional details available.
Minimum % Down Payment: 5.00%
Rate as low as; Payment: 1,536.75 *
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Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
Rates may include points. See All Mortgage Rates for details.
As low as
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Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
As Low As; Paid off in 30 years and monthly payment and interest rate remain constant for the life of the loan. Learn More
As low as
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Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed.
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Rates effective 07/16/2026. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.
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WHEDA First-time Homebuyer*
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Rates as Low as*
Secondary Market
Rates, and conditions are subject to change and may vary based on creditworthiness and qualifications. Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater. For example, a 30-year Fixed Home Loan for $100,000 at a 6.695% APR, the monthly payment will be approximately $644.95.
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Loan Type: Conventional*
Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid.
Loan Type: USDA Guaranteed Rural Housing**
360 payments of $972.90 at an interest rate of 6.750%
$200,000
No additional details available.
$100,000
$100,000
Rates as Low as*
Rates as Low as*
Get peace of mind with predictable monthly payments. Both traditional and short-term options available.
Payment: 2,025.26*
Minimum % Down Payment: 5.00%
No additional details available.
Points are $2,800. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
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As Low As; Paid off in 15 years and monthly payment and interest rate remain constant for the life of the loan. Learn More
As low as
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Learn how these rates and APRs are calculated. Plus, see a conforming fixed-rate estimated monthly payment and APR example. Get more details.
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As Low As
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Contact the credit union for details.
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First Mortgage - Primary Residence Only
Rates effective 07/16/2026. APR is based on <= 90% loan to value. For limited cash out refinance or purchase.
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As low as 6.000%
Rates as Low as*
No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed.
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The rates and monthly payments are per $1,000 borrowed using a single-family primary residence as collateral, with a maximum 80% loan-to-value ratio. For fixed rate loans, the rate shown is for the life of the loan.
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Loan Type: Conventional*
Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid.
As Low As
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Mortgage $100,000 Loan Amount. Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid.
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As Low As
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Interest rates and APRs (Annual Percentage Rate) are effective as of 09/10/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender.
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180 payments of $1,286.13 at an interest rate of 6.250%
Secondary Market
Rates as Low as*
Rates as Low as*
No additional details available.
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Enjoy a low initial rate that adjusts with the market. Various terms and options available.
As Low As
Rate as low as; Payment: 1,343.93 *
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Initial Interest Rate: 5.500%. Fully Indexed Rate: 6.985%. Maximum Interest Rate: 10.500%. Months to First Rate Adjustment: 60 Months. Interest Only Term: 0 Months. Payment is based on a $240,000 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
As Low As
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Calculate Your Payment | Projected Payment Schedule
Term: 5-year fixed, then adjusts annually; Offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.557% APR, the first 60 payments are $559.97, with 12 payments at $690.68 if the rate were to adjust to 7.581%, 12 payments at $831.75 if the rate were to adjust to 9.608%, 12 payments at $980.77 if the rate were to adjust to 11.637%. The maximum lifetime cap is 6%.
ARM is Adjustable Rate Mortgage. First lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
Up to 30-year amortization. Closing costs = $1,600. APR calculated on loan amount of $100,000. Rates are subject to change. The APR may increase after consummation. Rates are not guaranteed until a formal lock is processed. Property insurance is required on all mortgages. No prepayment penalty. 5/1 ARM means that the first five years have a locked APR set at closing. The rate can then change by 1% after the first five years and every year after. The rate cannot increase more than 8% during the life of the loan.
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As Low As
PMI required over 80% LTV. 99% LTV. 30-year amortization. Minimum credit score 740+. Occupation restrictions apply. No closing costs. Single family owner occupied homes only. Contact us for more information about investment properties or non-owner occupied homes.
For ARM loans, the rate/APR shown is effective 08/31/2026 and applies to the initial term. After that period, the loan will adjust to the then-current fully indexed rate.
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Maximum second mortgage 5% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $250,000 and an estimated property value of $312,500. The property is located in WI and is within Sauk county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 780. At a 5.750% initial interest rate, the APR for this loan type is 6.404%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,458.93 at an interest rate of 5.750%; 299 payments of $1,584.00 at an interest rate of 6.625%; 1 payment of $1,585.36 at an interest rate of 6.625%. The payment does not include real estate taxes and insurance. The actual payment obligation will be greater.
No additional details available.
Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
Rates quoted are based on a purchase transaction with a loan-to-value of 70%, primary residence, and a credit score of 760 or higher. Actual rates may be higher depending on the loan amount, loan purpose, credit history or loan-to-value. All interest rates, APRs, and costs are indications only and are subject to change without notice. Contact your Empeople Loan Originator for more information. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount. Cost equals discount points paid. 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate at the advertised APR for the first five years of the loan and may vary every year after the fixed period for a total of 360 payments (30-year term). Your rate will change every 12 months by no more than 2 percentage points up or down, never exceeding 5 percentage points above the initial rate and the lowest your rate can be is the initial rate. When the rate adjusts, your new rate will be based on the current index (the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System) plus a margin of 2.75% rounded to the nearest one-eighth as long as the total adjustment does not exceed the 2.00% adjustment cap.
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ARM is Adjustable Rate Mortgage. Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 780. At a 6.000% initial interest rate, the APR for this loan type is 6.712%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,798.65 at an interest rate of 6.000%; 299 payments of $1,995.38 at an interest rate of 7.125%; 1 payment of $1,996.39 at an interest rate of 7.125%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
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First Adjusted Rate: 6.875% (thereafter variable)
Term: 5/1 ARM (30 Year Amortization*); 30 Year Amortization*
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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000 and an estimated property value of $225,000. The property is located in WI and is within Ozaukee county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. At a 7.625% initial interest rate, the APR for this loan type is 7.465%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $1,274.03 at an interest rate of 7.625% 299 payments of $1,232.53 at an interest rate of 7.250% 1 payment of $1,233.58 at an interest rate of 7.250%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
No additional details available.
SECOND MORTGAGE; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
Maximum second mortgage 7% LTV; APR calculated on loan amount of $100,000. Rates are not guaranteed until a formal lock is processed. No prepayment penalty.; 90% LTV. 30-year amortization (based on $100K loan amount). Minimum credit score 660.
As low as; Greater than $832,750
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As low as; Greater than $832,750
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Rate as low as; **Rate as low as 6.250%
Finance higher-priced homes without a large down payment or multiple mortgages.
Payment is based on a $726,300 loan at 80% loan-to-value, purchase of a single-family residence. The posted rates are subject to change without notice. The posted mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history.
No additional details available.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.
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Terms and Conditions for Jumbo 30 Year Fixed
ARM rates, APRs and monthly payments are subject to increase after the initial fixed-rate period of five, seven, or 10 years and assume a 30-year term. Learn how these rates, APRs and monthly payments are calculated. Plus, see an ARM estimated monthly payment and APR example. Get more details.
Federal Housing Administration loan paid off in a set number of years (term), typically 30 or 15 years. The interest rate remains the same for the entire life of the mortgage. Learn More
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Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.
Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.
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Points are $3,240. Rates, terms, and fees as of 9/10/2026 10:15 AM Eastern Daylight Time and subject to change without notice.
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed.
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No down payment required. $1,600 closing costs. Minimum credit score 620. Certificate of Eligibility required. APR calculated on loan amount of $100,000. Rates are subject to change. Rates are not guaranteed until a formal lock is processed.
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Term: Federal VA 30 Year Fixed Rate; Terms and Conditions for Federal VA 30 Year Fixed Rate
Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.
Advertised rates depend on the individual's credit and key financing characteristics, including but not limited to the Amount Financed, term, loan-to-value (LTV) ratio, down payment amount, and collateral characteristics. Rates are subject to change without notice. This page is updated frequently. Approval and actual rate will depend on your credit history and loan term.
Compare local Green Bay, WI mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes, updated every evening.
Wisconsin 30-year fixed rates rose 0.052 points over the past 7 days to 6.823%.
Wisconsin 15-year fixed rates rose 0.061 points over the past 7 days to 6.283%.
Where are Wisconsin mortgage rates headed through September 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
Monthly principal & interest payment on Green Bay, WI median home of $207,200 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (WI avg) | 6.823% | $1,083 | — | 19.6% |
| 6-Month Forecast | 6.823% (6.47–7.12%) | $1,083 | +$0/mo | 19.6% |
| 12-Month Forecast | 7.073% (6.72–7.37%) | $1,111 | +$28/mo | 20.1% |
Income column = annual mortgage payment as % of Green Bay, WI median household income ($66,206). Above 30% is generally considered cost-burdened.
A daily-updated affordability score for Green Bay, Wisconsin , computed from local Census Bureau data combined with current Wisconsin mortgage rates.
With a score of 107.0, Green Bay, Wisconsin is 7.9 points more affordable than the national average of 99.1. The area’s median home value of $207,200 against a median household income of $66,206 produces a price-to-income ratio of 3.1x , relatively affordable compared to national levels. At the current Wisconsin mortgage rate of 6.823%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $1,083 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,104, covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $269/month ($3,230/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from local U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Wisconsin live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →
According to the U.S. Census Bureau, the median owner-occupied home value in Green Bay, Wisconsin is approximately $207,200. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
With a homeownership rate of 71.2%, well above the national average of 65.7%, Green Bay, Wisconsin has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 1% signals a tight market with limited available inventory, making it critical to secure the best possible rate quickly when a suitable property becomes available.
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $170,000 mortgage, based on a 20% down payment on the Green Bay, Wisconsin median home value.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.323% | 30-year fixed | $1,055 | $209,729 |
| 6.823% Current Avg | 30-year fixed | $1,111 | $229,916 |
| 7.323% | 30-year fixed | $1,168 | $250,526 |
| 6.283% | 15-year fixed | $1,461 | $92,922 |
A 0.500% rate increase on a $170,000 loan adds roughly $57 per month and over $20,610 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders, using the rate table above, is one of the most impactful financial decisions a Green Bay, Wisconsin buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only; taxes, insurance, and PMI not included.
At a price-to-income ratio of 3.1x, Green Bay, Wisconsin is a relatively affordable housing market compared to national averages. That ratio, median home value divided by median household income, is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
With a median household income of $66,206 per year in Green Bay, Wisconsin ($5,517/month) and a median home value of approximately $207,200, a buyer financing at 80% LTV at the current average rate would commit roughly 20.1% of gross monthly income to principal and interest alone. that falls within a manageable range relative to income, though taxes, insurance, HOA fees, and PMI will add to the true monthly cost of ownership.
Compared to the Wisconsin statewide price-to-income ratio of 3.4x, Green Bay tracks closely with the broader Wisconsin market on income-adjusted affordability. In either case, even a 0.25% improvement in your mortgage rate meaningfully reduces both the income needed to qualify and the total cost over the loan term.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Green Bay, Wisconsin. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
In Green Bay, Wisconsin, the median homeowner with a mortgage pays approximately $1,104/month in total housing costs, covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $932/month including utilities. The $172/month difference between owning and renting is relatively narrow, worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $269/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Green Bay, Wisconsin, 19.9% of homeowners with mortgages are cost burdened and 42.9% of renters are cost burdened. Renters face significantly higher burden rates than owners, a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 19.9% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
See your estimated monthly principal & interest payment at today’s Green Bay, Wisconsin rates. The home price is prefilled with the local median home value. Adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only, excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Rates are only part of the equation. Use these calculators to translate current Green Bay, Wisconsin mortgage rates into real numbers for your specific situation before you talk to a lender.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Green Bay, Wisconsin rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path: mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment, to show which option builds more wealth over your intended time horizon in Green Bay, Wisconsin.
CalculateNot every loan program is right for every buyer in Green Bay, Wisconsin. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products, and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
A fixed-rate mortgage locks your interest rate in for the entire loan term. Your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Green Bay, Wisconsin rate levels.
An ARM offers a fixed introductory rate for an initial period, commonly 5, 7, or 10 years, after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down, and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment, given ongoing home price trends in Green Bay, Wisconsin, FHA is often the faster path to ownership.
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with, and often better than, conventional loan rates.
A one-time funding fee applies, 2.15% of the loan for first-time VA borrowers with no down payment, which can be financed into the loan. In Green Bay, Wisconsin, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
The 2026 FHFA conforming loan limit for Green Bay, Wisconsin is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
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Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Green Bay, Wisconsin directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Green Bay, Wisconsin. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in WI.
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A mortgage is a loan used to buy a home in Green Bay, Wisconsin, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Green Bay, Wisconsin homeowner’s principal-and-interest payment never changes. For example, Bay Bank is listing a 30-Year Fixed at 5.00%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Green Bay, Wisconsin borrowers who expect to move or refinance before that point. On the adjustable-rate side, Baxter Credit Union is listing a 5/1 Adjustable-Rate Mortgage (ARM) at 5.50%.
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Wisconsin borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
The interest rate is not the only cost of buying a home in Green Bay, Wisconsin. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Green Bay, Wisconsin shoppers account for these costs when weighing lenders.
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Green Bay, Wisconsin homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up. Current Green Bay, Wisconsin refinance rates from local lenders are listed on our refinance page.