VA Loan Limits in Wisconsin (2026)
For 2026, the VA county loan limit for most Wisconsin counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Wisconsin has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Wisconsin — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Wisconsin
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Milwaukee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dane County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Waukesha County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Brown County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Racine County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Outagamie County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Winnebago County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Kenosha County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Rock County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marathon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sheboygan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| La Crosse County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Eau Claire County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Walworth County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ozaukee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dodge County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jefferson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| St. Croix County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fond du Lac County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Manitowoc County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wood County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Portage County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Chippewa County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Columbia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Wisconsin's median home price is roughly $290,000. With $0 down and no PMI, an example VA payment near that price is about $2,330/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Wisconsin
The VA home-loan benefit lets eligible Wisconsin veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Wisconsin for 2026?
- With full entitlement, none. For partial entitlement, most Wisconsin counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Wisconsin require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.