Waupaca 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

Waupaca Real Estate Market Update
The real estate market in Waupaca County, Wisconsin, has shown a positive trend in 2024. The median home sold price reached approximately $241,975, marking a 12.2% increase from the previous year. The average home value in the county is around $248,448, reflecting a 6.2% rise over the past year.
Waupaca County includes several notable cities such as Waupaca, New London, and Clintonville. Waupaca, the county seat, has a population of approximately 6,000 residents. New London is slightly larger, with a population of around 7,000, while Clintonville is home to about 4,500 people. These cities serve as key hubs for the county, offering a mix of residential and commercial opportunities.
Living in Waupaca County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming communities and scenic landscapes, which attract those seeking a quieter, more rural lifestyle. The top industries include agriculture, manufacturing, and retail, with many residents drawn to the area for its affordable housing and quality of life. Migration patterns suggest that people move to Waupaca County for its natural beauty and the balance it offers between rural charm and suburban convenience.
2025 Mortgage Loan Limits:
Waupaca County, Wisconsin
1 Unit
$806,500
Conforming Loans
$524,225
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$671,200
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$811,275
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,008,300
FHA Loans
Questions About Refinancing in
Waupaca 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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