Mortgage Rates in Fond du Lac, Wisconsin — March 2026
Updated March 2026 | Based on Fond du Lac market data and regional lending conditions
Fond du Lac is a growing city in Wisconsin with a population of 43,021. The current 30-year fixed mortgage rate in Fond du Lac is 6.78%, which is 0.13% above the national average. With a median home price of $250,000 and a 20% down payment of $50,000, homebuyers can expect a monthly principal and interest payment of approximately $1,301.
Current Mortgage Rates in Fond du Lac, WI
Below are the current average mortgage rates available in the Fond du Lac 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 | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Fond du Lac Housing Market Overview
The Fond du Lac housing market offers relatively affordable housing compared to many major cities. The median household income in Fond du Lac is $65,200, and the cost of living index is 91 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $71,014 to comfortably afford the median-priced home in Fond du Lac, which exceeds the current median household income.
Monthly Payment Breakdown for Fond du Lac
Based on the median home price of $250,000 with 20% down ($50,000), here is what you can expect to pay monthly in Fond du Lac:
15-Year vs. 30-Year Mortgage in Fond du Lac
Choosing a 15-year mortgage in Fond du Lac at 6.02% instead of a 30-year at 6.78% would save you $164,160 in total interest over the life of the loan. However, your monthly payment would be $1,690 instead of $1,301 — an increase of $389 per month.
Calculate Your Fond du Lac 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 Fond du Lac
What are the current mortgage rates in Fond du Lac, WI?
As of March 2026, the average 30-year fixed mortgage rate in Fond du Lac, Wisconsin is 6.78%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Fond du Lac?
Based on the median home price of $250,000 with 20% down, the estimated monthly mortgage payment in Fond du Lac is $1,301 for principal and interest. Including property taxes of $356/month, the total monthly housing cost is approximately $1,657.
What income do I need to buy a home in Fond du Lac?
Using the 28% rule, you would need an annual income of approximately $71,014 to afford the median-priced home in Fond du Lac at $250,000. The median household income in Fond du Lac is $65,200. This means most households would need to either earn above the median or consider homes below $250,000.
Is Fond du Lac a good place to buy a home in 2026?
Fond du Lac offers a below-average cost of living with a cost of living index of 91 (national average = 100). The property tax rate in Wisconsin is 1.71%, which is above the national average. Fond du Lac has a population of 43,021 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 Fond du Lac, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.