Mortgage Rates in Two Rivers, Wisconsin — March 2026
Updated March 2026 | Based on Two Rivers market data and regional lending conditions
Two Rivers is a growing city in Wisconsin with a population of 11,271. The current 30-year fixed mortgage rate in Two Rivers is 6.77%, which is 0.12% above the national average. With a median home price of $194,000 and a 20% down payment of $38,800, homebuyers can expect a monthly principal and interest payment of approximately $1,009.
Current Mortgage Rates in Two Rivers, WI
Below are the current average mortgage rates available in the Two Rivers 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 | 6.01% | 5.89% | +0.12% |
| 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% |
Two Rivers Housing Market Overview
The Two Rivers housing market offers relatively affordable housing compared to many major cities. The median household income in Two Rivers is $59,600, and the cost of living index is 88.9 (national average = 100). Based on the 28% affordability rule, the median income in Two Rivers is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Two Rivers
Based on the median home price of $194,000 with 20% down ($38,800), here is what you can expect to pay monthly in Two Rivers:
15-Year vs. 30-Year Mortgage in Two Rivers
Choosing a 15-year mortgage in Two Rivers at 6.01% instead of a 30-year at 6.77% would save you $127,260 in total interest over the life of the loan. However, your monthly payment would be $1,311 instead of $1,009 — an increase of $302 per month.
Calculate Your Two Rivers 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 Two Rivers
What are the current mortgage rates in Two Rivers, WI?
As of March 2026, the average 30-year fixed mortgage rate in Two Rivers, Wisconsin is 6.77%, while the 15-year fixed rate is 6.01%. 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 Two Rivers?
Based on the median home price of $194,000 with 20% down, the estimated monthly mortgage payment in Two Rivers is $1,009 for principal and interest. Including property taxes of $265/month, the total monthly housing cost is approximately $1,274.
What income do I need to buy a home in Two Rivers?
Using the 28% rule, you would need an annual income of approximately $54,600 to afford the median-priced home in Two Rivers at $194,000. The median household income in Two Rivers is $59,600. The median income is currently sufficient to meet this threshold.
Is Two Rivers a good place to buy a home in 2026?
Two Rivers offers a below-average cost of living with a cost of living index of 88.9 (national average = 100). The property tax rate in Wisconsin is 1.64%, which is above the national average. Two Rivers has a population of 11,271 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 Two Rivers, Wisconsin area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.