Mortgage Rates in Hartford, Wisconsin — March 2026
Updated March 2026 | Based on Hartford market data and regional lending conditions
Hartford is a growing city in Wisconsin with a population of 15,924. The current 30-year fixed mortgage rate in Hartford is 6.63%, which is 0.02% below the national average. With a median home price of $233,000 and a 20% down payment of $46,600, homebuyers can expect a monthly principal and interest payment of approximately $1,194.
Current Mortgage Rates in Hartford, WI
Below are the current average mortgage rates available in the Hartford 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Hartford Housing Market Overview
The Hartford housing market offers relatively affordable housing compared to many major cities. The median household income in Hartford is $63,100, and the cost of living index is 90.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $66,086 to comfortably afford the median-priced home in Hartford, which exceeds the current median household income.
Monthly Payment Breakdown for Hartford
Based on the median home price of $233,000 with 20% down ($46,600), here is what you can expect to pay monthly in Hartford:
15-Year vs. 30-Year Mortgage in Hartford
Choosing a 15-year mortgage in Hartford at 5.89% instead of a 30-year at 6.63% would save you $148,680 in total interest over the life of the loan. However, your monthly payment would be $1,562 instead of $1,194 — an increase of $368 per month.
Calculate Your Hartford 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 Hartford
What are the current mortgage rates in Hartford, WI?
As of March 2026, the average 30-year fixed mortgage rate in Hartford, Wisconsin is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Hartford?
Based on the median home price of $233,000 with 20% down, the estimated monthly mortgage payment in Hartford is $1,194 for principal and interest. Including property taxes of $348/month, the total monthly housing cost is approximately $1,542.
What income do I need to buy a home in Hartford?
Using the 28% rule, you would need an annual income of approximately $66,086 to afford the median-priced home in Hartford at $233,000. The median household income in Hartford is $63,100. This means most households would need to either earn above the median or consider homes below $233,000.
Is Hartford a good place to buy a home in 2026?
Hartford offers a below-average cost of living with a cost of living index of 90.6 (national average = 100). The property tax rate in Wisconsin is 1.79%, which is above the national average. Hartford has a population of 15,924 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 Hartford, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.