Mortgage Rates in La Crosse, Wisconsin — March 2026
Updated March 2026 | Based on La Crosse market data and regional lending conditions
La Crosse is a growing city in Wisconsin with a population of 52,680. The current 30-year fixed mortgage rate in La Crosse is 6.63%, which is 0.02% below the national average. With a median home price of $226,000 and a 20% down payment of $45,200, homebuyers can expect a monthly principal and interest payment of approximately $1,158.
Current Mortgage Rates in La Crosse, WI
Below are the current average mortgage rates available in the La Crosse 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% |
La Crosse Housing Market Overview
The La Crosse housing market offers relatively affordable housing compared to many major cities. The median household income in La Crosse is $55,600, and the cost of living index is 85.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $64,329 to comfortably afford the median-priced home in La Crosse, which exceeds the current median household income.
Monthly Payment Breakdown for La Crosse
Based on the median home price of $226,000 with 20% down ($45,200), here is what you can expect to pay monthly in La Crosse:
15-Year vs. 30-Year Mortgage in La Crosse
Choosing a 15-year mortgage in La Crosse at 5.89% instead of a 30-year at 6.63% would save you $144,180 in total interest over the life of the loan. However, your monthly payment would be $1,515 instead of $1,158 — an increase of $357 per month.
Calculate Your La Crosse 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 La Crosse
What are the current mortgage rates in La Crosse, WI?
As of March 2026, the average 30-year fixed mortgage rate in La Crosse, 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 La Crosse?
Based on the median home price of $226,000 with 20% down, the estimated monthly mortgage payment in La Crosse is $1,158 for principal and interest. Including property taxes of $343/month, the total monthly housing cost is approximately $1,501.
What income do I need to buy a home in La Crosse?
Using the 28% rule, you would need an annual income of approximately $64,329 to afford the median-priced home in La Crosse at $226,000. The median household income in La Crosse is $55,600. This means most households would need to either earn above the median or consider homes below $226,000.
Is La Crosse a good place to buy a home in 2026?
La Crosse offers a below-average cost of living with a cost of living index of 85.9 (national average = 100). The property tax rate in Wisconsin is 1.82%, which is above the national average. La Crosse has a population of 52,680 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 La Crosse, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.