Mortgage Rates in Kaukauna, Wisconsin — March 2026
Updated March 2026 | Based on Kaukauna market data and regional lending conditions
Kaukauna is a growing city in Wisconsin with a population of 16,569. The current 30-year fixed mortgage rate in Kaukauna is 6.77%, which is 0.12% above the national average. With a median home price of $200,000 and a 20% down payment of $40,000, homebuyers can expect a monthly principal and interest payment of approximately $1,040.
Current Mortgage Rates in Kaukauna, WI
Below are the current average mortgage rates available in the Kaukauna 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 | 6.77% | 6.65% | +0.12% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.51% | 6.25% | +0.26% |
| VA | 6.26% | 6.05% | +0.21% |
| Jumbo | 7.02% | 6.85% | +0.17% |
Kaukauna Housing Market Overview
The Kaukauna housing market offers relatively affordable housing compared to many major cities. The median household income in Kaukauna is $55,700, and the cost of living index is 86.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $57,729 to comfortably afford the median-priced home in Kaukauna, which exceeds the current median household income.
Monthly Payment Breakdown for Kaukauna
Based on the median home price of $200,000 with 20% down ($40,000), here is what you can expect to pay monthly in Kaukauna:
15-Year vs. 30-Year Mortgage in Kaukauna
Choosing a 15-year mortgage in Kaukauna at 6% instead of a 30-year at 6.77% would save you $131,400 in total interest over the life of the loan. However, your monthly payment would be $1,350 instead of $1,040 — an increase of $310 per month.
Calculate Your Kaukauna 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 Kaukauna
What are the current mortgage rates in Kaukauna, WI?
As of March 2026, the average 30-year fixed mortgage rate in Kaukauna, Wisconsin is 6.77%, while the 15-year fixed rate is 6%. FHA loans average 6.51% and VA loans 6.26%. These rates are 0.12% above the national average of 6.65%.
How much is a monthly mortgage payment in Kaukauna?
Based on the median home price of $200,000 with 20% down, the estimated monthly mortgage payment in Kaukauna is $1,040 for principal and interest. Including property taxes of $307/month, the total monthly housing cost is approximately $1,347.
What income do I need to buy a home in Kaukauna?
Using the 28% rule, you would need an annual income of approximately $57,729 to afford the median-priced home in Kaukauna at $200,000. The median household income in Kaukauna is $55,700. This means most households would need to either earn above the median or consider homes below $200,000.
Is Kaukauna a good place to buy a home in 2026?
Kaukauna offers a below-average cost of living with a cost of living index of 86.1 (national average = 100). The property tax rate in Wisconsin is 1.84%, which is above the national average. Kaukauna has a population of 16,569 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 Kaukauna, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.