What 2025 Mortgage Rate Forecasts Mean for Homebuyers in Wisconsin
- Dustin Grenier
- Sep 24
- 3 min read
Updated: Sep 24
If you're wondering whether 2025 is the right time to buy a home in Wisconsin, you're not alone. With mortgage rates, home prices, and market conditions constantly shifting, it can feel overwhelming, especially for a first time homebuyer in Wisconsin.
Let’s break it down simply. This post will help you understand the 2025 mortgage rate forecasts, what they mean for your budget, and whether now is the best time to buy a house in Wisconsin.
Mortgage Rate Forecast for 2025
Experts predict that mortgage rates in 2025 will stay relatively stable, hovering between 6.5% to 7%. This aligns with forecasts from Fannie Mae and the Mortgage Bankers Association (MBA) that suggest modest declines are possible by mid to late 2025:
While these rates are higher than 2020 lows, they’re still historically reasonable, especially if you're working with a local lender who understands the Wisconsin market.
At Team DG, we stay updated on the current mortgage rates in Wisconsin so we can help you lock in the best option for your situation.
What This Means for Your Budget
With interest rates in Wisconsin holding steady, affordability depends more than ever on your credit score, income, and down payment. Common questions buyers ask:
How much money do you need to buy a house in Wisconsin?
What credit score is required to buy a house in Wisconsin?
How much can I afford to buy a house in Wisconsin?
You can start by using our free Mortgage Calculator to estimate your monthly payment.
For many buyers, first time homebuyer programs in Wisconsin offer help with down payment assistance, especially through WHEDA, credit unions, or other state-specific down payment assistance programs in Wisconsin.
What About Wisconsin Home Prices?
According to Redfin and Zillow, the median home price in Wisconsin in 2025 is around $290,000 and rising slowly in key metro areas like Milwaukee and Madison:
There are still many affordable homes for sale in Wisconsin, including cheap houses, tiny homes, and even luxury condos in Madison and Milwaukee. Common buyer searches include:
Zillow homes for sale near Wisconsin
Green Bay homes for sale
homes with a garage, backyard, fireplace, walk-in closet, or pool in Wisconsin
Browse homes for sale in Wisconsin now to see what fits your lifestyle.
Is It a Good Time to Buy a House in Wisconsin?
That depends on your goals.
If you're tired of renting or worried about rising prices, now may be the best time. Buying now means starting to build equity sooner, especially if you refinance later when rates go down.
Frequent buyer searches include:
Will home prices go down?
What are the current trends in the housing market in Wisconsin?
What are the best neighborhoods to buy in?
We provide real answers. Check our local real estate insights or just message us directly for a personalized plan.
What Should I Look for in a Home Inspection?
A thorough home inspection in Wisconsin is key to avoiding costly surprises. Some things to check:
Foundation and roof condition
HVAC and electrical systems
Water damage or mold
Code compliance and permits
Whether you’re buying a lakefront home in Wisconsin or a second home, don’t skip the inspection.
Thinking About Refinancing?
Homeowners often search for:
Wisconsin refinance rates
credit union refinance
cash-out refinance
FHA streamline refinance
refinance vs. HELOC
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