Mortgage Rates in Fitchburg, Wisconsin — March 2026
Updated March 2026 | Based on Fitchburg market data and regional lending conditions
Fitchburg is a growing city in Wisconsin with a population of 30,032. The current 30-year fixed mortgage rate in Fitchburg is 6.67%, which is 0.02% above the national average. With a median home price of $245,000 and a 20% down payment of $49,000, homebuyers can expect a monthly principal and interest payment of approximately $1,261.
Current Mortgage Rates in Fitchburg, WI
Below are the current average mortgage rates available in the Fitchburg 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Fitchburg Housing Market Overview
The Fitchburg housing market offers relatively affordable housing compared to many major cities. The median household income in Fitchburg is $53,400, and the cost of living index is 89.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $69,986 to comfortably afford the median-priced home in Fitchburg, which exceeds the current median household income.
Monthly Payment Breakdown for Fitchburg
Based on the median home price of $245,000 with 20% down ($49,000), here is what you can expect to pay monthly in Fitchburg:
15-Year vs. 30-Year Mortgage in Fitchburg
Choosing a 15-year mortgage in Fitchburg at 5.93% instead of a 30-year at 6.67% would save you $157,500 in total interest over the life of the loan. However, your monthly payment would be $1,647 instead of $1,261 — an increase of $386 per month.
Calculate Your Fitchburg 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 Fitchburg
What are the current mortgage rates in Fitchburg, WI?
As of March 2026, the average 30-year fixed mortgage rate in Fitchburg, Wisconsin is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Fitchburg?
Based on the median home price of $245,000 with 20% down, the estimated monthly mortgage payment in Fitchburg is $1,261 for principal and interest. Including property taxes of $372/month, the total monthly housing cost is approximately $1,633.
What income do I need to buy a home in Fitchburg?
Using the 28% rule, you would need an annual income of approximately $69,986 to afford the median-priced home in Fitchburg at $245,000. The median household income in Fitchburg is $53,400. This means most households would need to either earn above the median or consider homes below $245,000.
Is Fitchburg a good place to buy a home in 2026?
Fitchburg offers a below-average cost of living with a cost of living index of 89.4 (national average = 100). The property tax rate in Wisconsin is 1.82%, which is above the national average. Fitchburg has a population of 30,032 and offers a very affordable lifestyle.
Mortgage Rates in Other Wisconsin Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Fitchburg, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.