Madison, WI Mortgage Rates
Live Mortgage Rates in Madison, Wisconsin
6.490%
Madison Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:26 PM UTC
Sourced live from hundreds of wholesale lenders serving Madison and Wisconsin
Madison Benchmark Rates
Lowest available rate with no discount points paid in Madison, WI for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Madison, WI | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Madison, WI | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Madison, WI | 5.990% | 6.020% |
2026 Loan Limits in Wisconsin
Conforming
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most Wisconsin counties.
About Madison Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Madison, Wisconsin homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Wisconsin and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Madison property.
Your specific Madison rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Wisconsin lender network, use the Rate Direct pricer.
Madison buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Wisconsin, see the Wisconsin DPA guide.
Get your personalized Madison mortgage rate
The rates above are the market benchmark for Madison. Your actual rate depends on your scenario.