Wisconsin Housing & Mortgage Market Update — What Buyers, Sellers & Homeowners Should Know (December 2025)
Curious about current mortgage rates, what homes are selling for, and how long properties are sitting on the market in Wisconsin? This December 2025 update breaks down the latest trends that matter most for anyone thinking about buying, selling, refinancing, or investing.
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1) Actual Average Mortgage Rates Right Now
Mortgage rates have been trending in the mid-6% range - a bit more affordable than earlier in 2025 but still well above the historic lows seen in recent years:
- Freddie Mac national average 30-yr fixed: ~6.22% as of Dec 11, 2025. Freddie Mac
- Daily industry averages: Around 6.29% - 6.34% for 30-year fixed loans. Bankrate
- Wisconsin-specific Zillow rates: Around ~5.99% for 30-year fixed mortgages locally. Zillow
What this means: While rates are higher than the ultra-low era, they've pulled back slightly from earlier 2025 peaks and remain competitive for well-qualified buyers and refinancers.
Check national trends:
• AP News - Average 30-year mortgage rate near annual low: https://apnews.com/article/814329ffcabdd60470f390407778f644 AP News
• Mortgage rate forecast: https://www.lendingtree.com/home/mortgage/rates/mortgage-interest-rates-forecast/ LendingTree
2) Wisconsin Housing Market Snapshot (Median Prices & Days on Market)
Wisconsin home sales and home prices continue to show resiliency as we close out 2025.
Home Prices & Sales
- Median sale price in Wisconsin: ~$337,500 (up ~6.3% year-over-year). Redfin
- Sales activity is elevated with more homes selling compared to last year. Redfin
Days on Market
- Median days on the market statewide: ~51 days in the latest reporting period. Redfin
- Federal data shows around ~44 days median in October regionally - a sign homes are still moving fairly quickly. Trading Economics
Inventory & Pricing Dynamics
- Inventory remains tight but slightly improved year-over-year, with about 23,796 homes for sale statewide. Redfin
- About 35.8% of homes sell above list price, though this is down a bit from last year. Redfin
These numbers show a moderately competitive market - not quite as frenetic as the peak seller's markets, but still not yet "balanced" with a 6-month supply.
3) What This Means for Buyers
Mortgage rates are stabilizing:
Buyers can still find competitive 30-year fixed rates and, in some Wisconsin localities, rates under 6% with strong credit profiles. Zillow
Homes aren't disappearing overnight everywhere:
With median days on market near 50 days, buyers have a bit more time to shop and compare. Redfin
Pricing remains solid:
Home prices are rising - in many areas ~6 - 8% annually - so affordability planning and strong pre-approval is critical. Redfin
Learn how to prepare:
➡️ Mortgage Pre-Approval in Wisconsin - From Call to Pre-Approval Letter in 3 Easy Steps (internal link)
4) What This Means for Sellers
Prices are up year-over-year:
Wisconsin sellers are benefiting from higher median prices compared with last year's market. Redfin
Days on market are moderate:
With homes taking roughly ~50 days, sellers still have leverage - especially in well-priced segments.
Smart pricing is essential:
Homes priced right relative to local comps are the ones that still garner offers above list.
5) What This Means for Refinancing & Homeowners
Rates offer some relief compared to earlier 2025 levels:
Refinancing at today's average 30-year rates (~6.2% - 6.3%) can make sense for homeowners who bought when rates were significantly higher earlier in the year. Freddie Mac
Equity options remain strong:
Homeowners with significant equity can consider cash-out refinancing while prices stay elevated - a strategy covered in my Wisconsin Cash-Out Refinance Guide 2025.
6) Local Market Nuance: What Brokers Are Seeing
Across Wisconsin - from Madison to Green Bay to the Fox Cities - markets vary:
- Madison continues as a strong seller's market with homes selling in under 2 weeks locally. integrityhomeswi.com
- Some smaller metro areas show price moderation and slightly longer listing periods. Redfin
Local nuances matter - so having a lender who understands different submarkets is one way to stay competitive.
7) Looking Ahead into 2026
Experts project:
- Mortgage rates may hover in the low 6% range with modest movement tied to broader economic shifts. Forbes
- Home price growth may continue but at a slower pace, offering potential relief for buyers over time. Forbes
This signals a market where educated preparation and strategic timing can pay off.
Your Wisconsin Mortgage & Real Estate Strategy Partner
Whether you're buying, selling, refinancing, or investing - the closer you look at local data and real-time rate trends, the better your decisions will be. I help clients interpret the numbers and make moves that make sense for today's market.
About Adam Zeman - Wisconsin Mortgage & Real Estate Expert
NMLS #870441 | Union Home Mortgage
📞 414-975-2654
✉️ azeman@uhm.com
🌐 www.mkemortgage.com
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