Wisconsin loan limits 2026 by county
In 2026, every one of the 72 counties in Wisconsin has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $552,000: 2 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Wisconsin county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Non-Metro |
| Ashland County | $832,750 | $541,287 | Non-Metro |
| Barron County | $832,750 | $541,287 | Rice Lake, WI |
| Bayfield County | $832,750 | $541,287 | Non-Metro |
| Brown County | $832,750 | $541,287 | Green Bay, WI |
| Buffalo County | $832,750 | $541,287 | Non-Metro |
| Burnett County | $832,750 | $541,287 | Non-Metro |
| Calumet County | $832,750 | $541,287 | Appleton, WI |
| Chippewa County | $832,750 | $541,287 | Eau Claire, WI |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Columbia County | $832,750 | $541,287 | Madison, WI |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Dane County | $832,750 | $541,287 | Madison, WI |
| Dodge County | $832,750 | $541,287 | Beaver Dam, WI |
| Door County | $832,750 | $541,287 | Non-Metro |
| Douglas County | $832,750 | $541,287 | Duluth, MN-WI |
| Dunn County | $832,750 | $541,287 | Menomonie, WI |
| Eau Claire County | $832,750 | $541,287 | Eau Claire, WI |
| Florence County | $832,750 | $541,287 | Iron Mountain, MI-WI |
| Fond du Lac County | $832,750 | $541,287 | Fond Du Lac, WI |
| Forest County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Platteville, WI |
| Green County | $832,750 | $541,287 | Madison, WI |
| Green Lake County | $832,750 | $541,287 | Non-Metro |
| Iowa County | $832,750 | $541,287 | Madison, WI |
| Iron County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Watertown-Fort Atkinson, WI |
| Juneau County | $832,750 | $541,287 | Non-Metro |
| Kenosha County | $832,750 | $541,287 | Kenosha, WI |
| Kewaunee County | $832,750 | $541,287 | Green Bay, WI |
| La Crosse County | $832,750 | $541,287 | La Crosse-Onalaska, WI-MN |
| Lafayette County | $832,750 | $541,287 | Non-Metro |
| Langlade County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Manitowoc County | $832,750 | $541,287 | Manitowoc, WI |
| Marathon County | $832,750 | $541,287 | Wausau, WI |
| Marinette County | $832,750 | $541,287 | Marinette, WI-MI |
| Marquette County | $832,750 | $541,287 | Non-Metro |
| Menominee County | $832,750 | $541,287 | Shawano, WI |
| Milwaukee County | $832,750 | $541,287 | Milwaukee-Waukesha, WI |
| Monroe County | $832,750 | $541,287 | Sparta, WI |
| Oconto County | $832,750 | $541,287 | Green Bay, WI |
| Oneida County | $832,750 | $541,287 | Non-Metro |
| Outagamie County | $832,750 | $541,287 | Appleton, WI |
| Ozaukee County | $832,750 | $541,287 | Milwaukee-Waukesha, WI |
| Pepin County | $832,750 | $541,287 | Non-Metro |
| Pierce County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Polk County | $832,750 | $541,287 | Non-Metro |
| Portage County | $832,750 | $541,287 | Stevens Point-Plover, WI |
| Price County | $832,750 | $541,287 | Non-Metro |
| Racine County | $832,750 | $541,287 | Racine-Mount Pleasant, WI |
| Richland County | $832,750 | $541,287 | Non-Metro |
| Rock County | $832,750 | $541,287 | Janesville-Beloit, WI |
| Rusk County | $832,750 | $541,287 | Non-Metro |
| Sauk County | $832,750 | $541,287 | Baraboo, WI |
| Sawyer County | $832,750 | $541,287 | Non-Metro |
| Shawano County | $832,750 | $541,287 | Shawano, WI |
| Sheboygan County | $832,750 | $541,287 | Sheboygan, WI |
| St. Croix County | $832,750 | $552,000 | Minneapolis-St. Paul-Bloomington, MN-WI |
| Taylor County | $832,750 | $541,287 | Non-Metro |
| Trempealeau County | $832,750 | $541,287 | Non-Metro |
| Vernon County | $832,750 | $541,287 | La Crosse-Onalaska, WI-MN |
| Vilas County | $832,750 | $541,287 | Non-Metro |
| Walworth County | $832,750 | $541,287 | Whitewater-Elkhorn, WI |
| Washburn County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Milwaukee-Waukesha, WI |
| Waukesha County | $832,750 | $541,287 | Milwaukee-Waukesha, WI |
| Waupaca County | $832,750 | $541,287 | Non-Metro |
| Waushara County | $832,750 | $541,287 | Non-Metro |
| Winnebago County | $832,750 | $541,287 | Oshkosh-Neenah, WI |
| Wood County | $832,750 | $541,287 | Wisconsin Rapids-Marshfield, WI |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Wisconsin
Pierce County ($552,000) and St. Croix County ($552,000). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Wisconsin
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Wisconsin fair market rentsHUD Fair Market Rents for every Wisconsin county, studios to 4 bedrooms.
- Wisconsin property tax ratesEffective property tax rate for every Wisconsin county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Wisconsin loan limits
What are the FHA loan limits in Wisconsin for 2026?
$541,287 to $552,000 for a one-unit home, depending on the county. 2 counties are above the national floor of $541,287, led by Pierce County ($552,000) and St. Croix County ($552,000); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Wisconsin for 2026?
$832,750 for a one-unit home in every Wisconsin county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Wisconsin?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Wisconsin for 2026: 25 percent of that limit minus the entitlement already used.
Which Wisconsin counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Pierce County at $552,000. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/wisconsin. Not lending advice.