Mortgage Rates in De Pere, Wisconsin — March 2026
Updated March 2026 | Based on De Pere market data and regional lending conditions
De Pere is a growing city in Wisconsin with a population of 25,410. The current 30-year fixed mortgage rate in De Pere is 6.65%, which is at the national average. With a median home price of $246,000 and a 20% down payment of $49,200, homebuyers can expect a monthly principal and interest payment of approximately $1,263.
Current Mortgage Rates in De Pere, WI
Below are the current average mortgage rates available in the De Pere area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.65% | 6.65% | 0% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.9% | 6.85% | +0.05% |
De Pere Housing Market Overview
The De Pere housing market offers relatively affordable housing compared to many major cities. The median household income in De Pere is $54,800, and the cost of living index is 92 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $70,200 to comfortably afford the median-priced home in De Pere, which exceeds the current median household income.
Monthly Payment Breakdown for De Pere
Based on the median home price of $246,000 with 20% down ($49,200), here is what you can expect to pay monthly in De Pere:
15-Year vs. 30-Year Mortgage in De Pere
Choosing a 15-year mortgage in De Pere at 5.91% instead of a 30-year at 6.65% would save you $157,500 in total interest over the life of the loan. However, your monthly payment would be $1,651 instead of $1,263 — an increase of $388 per month.
Calculate Your De Pere Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in De Pere
What are the current mortgage rates in De Pere, WI?
As of March 2026, the average 30-year fixed mortgage rate in De Pere, Wisconsin is 6.65%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are at the national average of 6.65%.
How much is a monthly mortgage payment in De Pere?
Based on the median home price of $246,000 with 20% down, the estimated monthly mortgage payment in De Pere is $1,263 for principal and interest. Including property taxes of $375/month, the total monthly housing cost is approximately $1,638.
What income do I need to buy a home in De Pere?
Using the 28% rule, you would need an annual income of approximately $70,200 to afford the median-priced home in De Pere at $246,000. The median household income in De Pere is $54,800. This means most households would need to either earn above the median or consider homes below $246,000.
Is De Pere a good place to buy a home in 2026?
De Pere offers a below-average cost of living with a cost of living index of 92 (national average = 100). The property tax rate in Wisconsin is 1.83%, which is above the national average. De Pere has a population of 25,410 and offers a very affordable lifestyle.
Mortgage Rates in Other Wisconsin Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the De Pere, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.