Pierce County, Wisconsin
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1 Platform, 6 Refinance Alerts
01
Alert for Lower Rates
02
Alert for Cash Out
03
Alert for Shorter Term
04
Alert for Eliminating PMI
05
Alert for Product Changes
06
Alert for Changes in Home Value
Pierce Real Estate Market Update
The real estate market in Pierce County, Wisconsin, has seen a modest increase in home values over the past year. As of recent data, the average home value in the county is approximately $350,033, reflecting a 2.8% rise. Homes in the area typically go to pending status in about 33 days, indicating a relatively active market.
Pierce County is home to several notable cities, including River Falls, Prescott, and Ellsworth. River Falls is the largest city, known for its vibrant community and educational institutions, with a population of around 15,000. Prescott, with a population of about 4,000, is known for its scenic views at the confluence of the Mississippi and St. Croix Rivers. Ellsworth, the county seat, has a population of approximately 3,300 and is recognized for its rich agricultural heritage.
Living in Pierce County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as education, healthcare, and manufacturing. Many residents appreciate the county's proximity to the Twin Cities, which provides additional employment opportunities and amenities. This accessibility, combined with the county's natural beauty and community-focused living, makes it an attractive option for those seeking a balance between rural charm and suburban convenience. Migration patterns suggest that people are moving to Pierce County for its quality of life and affordable housing options.
2025 Mortgage Loan Limits:
Pierce County, Wisconsin
1 Unit
$806,500
Conforming Loans
$529,000
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$677,200
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$818,600
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,017,300
FHA Loans
Questions About Refinancing in
Pierce County
What is mortgage refinancing?
Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.When should I consider refinancing?
Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.How long does the refinancing process take?
The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.What are the benefits of refinancing?
Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.What is cash-out refinancing?
Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.Will refinancing hurt my credit?
Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.Can I refinance with bad credit?
It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.How much equity do I need to refinance?
Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.Is it possible to refinance a rental property?
Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.
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