Daily Mortgage Rate Recap & Market Briefing Archive (Wisconsin) — Badger Cost Journal
Updated October 2026
Welcome to the Badger Cost Journal Daily Mortgage Rate Recap & Market Desk for Wisconsin homebuyers and refinancing homeowners. Every day, our editorial desk publishes a dated rate snapshot, bond and MBS market recap, 2026 FHFA ($832,750) and FHA ($541,287) loan-limit context, and live participating lender rate tables and quote forms.
Latest Daily Rate Briefing (2026-10-30)
In our latest briefing (Wisconsin Daily Mortgage Rates & Market Recap for 2026-10-30), the 30-year fixed conventional benchmark is 6.53% (-4 bps (-0.04%)), the 15-year fixed benchmark is 5.83% (-3 bps (-0.03%)), 30-year FHA scenario pricing is 6.24%, and 30-year VA scenario pricing is 6.11%.
| Loan Program | Today's Note Rate | Prior Week | 7-Day Change | $240,000 P&I | $300,000 P&I | $400,000 P&I | $500,000 P&I |
|---|---|---|---|---|---|---|---|
| 30-Year Fixed Conventional | 6.53% | 6.57% | -4 bps (-0.04%) | $1,522/mo | $1,902/mo | $2,536/mo | $3,170/mo |
| 15-Year Fixed Conventional | 5.83% | 5.86% | -3 bps (-0.03%) | $2,003/mo | $2,504/mo | $3,339/mo | $4,174/mo |
| 30-Year FHA Fixed Scenario | 6.24% | 6.29% | -5 bps (-0.05%) | $1,476/mo | $1,845/mo | $2,460/mo | $3,075/mo |
| 30-Year VA Fixed Scenario | 6.11% | 6.16% | -5 bps (-0.05%) | $1,456/mo | $1,820/mo | $2,427/mo | $3,033/mo |
| 30-Year Jumbo Fixed Scenario | 6.84% | 6.86% | -2 bps (-0.02%) | $1,571/mo | $1,964/mo | $2,618/mo | $3,273/mo |
| 10-Year Fixed Home Equity Loan Scenario | 7.64% | 7.67% | -3 bps (-0.03%) | $2,866/mo | $3,583/mo | $4,777/mo | $5,972/mo |
Read the full 2026-10-30 Daily Mortgage Rate & Market Recap for today's lock-versus-float guidance, discount point break-even math, and Wisconsin underwriting notes, or compare live lender quotes directly in the rate tables and quote form on this page.
Chronological Daily Mortgage Rate Recap Archive
Select any dated briefing below to inspect that day's benchmark rates, payment matrix across $240,000 to $500,000 loan tiers, and market commentary:
| Publication Date | Daily Briefing Article | 30-Yr Fixed | 15-Yr Fixed | FHA 30-Yr | VA 30-Yr | $300,000 30-Yr P&I |
|---|---|---|---|---|---|---|
| 2026-10-30 | Wisconsin Daily Rate Recap (2026-10-30) | 6.53% | 5.83% | 6.24% | 6.11% | $1,902/mo |
How to Use Daily Rate Recaps alongside Live Lender Tables
- Benchmark vs. Live Lender Quotes: Daily benchmark tables track Freddie Mac PMMS survey averages (2026-10-27) and standardized editorial scenarios so you can see directional market movement. Use the live participating lender rate tables and custom quote form on this page or on Today's Mortgage & Home Equity Rates to compare actual lender APRs and upfront points for your profile.
- 2026 Conforming & FHA Thresholds: Single-unit conventional loans up to the 2026 FHFA baseline limit of $832,750 (up to $1,249,125 in high-cost areas) and FHA forward loans up to the $541,287 floor follow standard agency guidelines.
- Interactive Payment & Refinance Calculators: Pair today's rate recap with our Monthly Payment Calculator, Refinance Savings Calculator, Home Equity & HELOC Calculator, Amortization Schedule Calculator, and Request a Free Quote page.
Official Regulatory & Housing References
- Wisconsin Housing and Economic Development Authority — official state housing finance and property tax guidance for Wisconsin.
- Wisconsin Department of Revenue — official state housing finance and property tax guidance for Wisconsin.
Get Your Custom Mortgage Rate Quote
Answer a few quick questions below to compare personalized loan options and live rate offers from participating lenders.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
Compare Current Home Equity & HELOC Rates
Compare current second-lien home equity loan and HELOC APRs, draw terms, and monthly payment options from participating lenders.
Loan Program Comparison: 2026 Benchmarks
Daily Mortgage Rate Recap & Market Archive for Wisconsin — Badger Cost Journal — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $832,750; FHA floor $541,287. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
- Wisconsin Housing and Economic Development Authority — state housing finance and property tax authority.
- Wisconsin Department of Revenue — state housing finance and property tax authority.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.