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First-time home buyer programs in Cedarburg, WI

Quick answer

First-time buyers in Cedarburg, WI can use 3%-down conventional loans (up to the $832,750 Ozaukee County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $386,400 median home, 3% down is about $11,592 and the estimated payment is $3,260/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $82,110; value-to-income ratio 4.71. Cedarburg ranks 11 by home value and 78 by population among 96 places in our WI dataset.

What does a first-time buyer loan cost on a typical Cedarburg home?

ItemCedarburg
Median home value (Census ACS)$386,400
Wisconsin median home value$247,400
Down payment (3%)$11,592
Loan amount$374,808
Estimated monthly payment (PITI + MI)$3,260
Income needed (28% / 36%)$140,000 / $109,000
Ozaukee County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Wisconsin's 1.51% effective property tax rate (Census ACS), $923/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Cedarburg?

Cedarburg is in Ozaukee County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Cedarburg median home value of $386,400 is 56% above the Wisconsin median, and within what the county limit supports.

Which down payment assistance programs can Cedarburg buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

GraftonMequonPort WashingtonGermantownBrown DeerMenomonee Falls

First-time buyer loan FAQs for Cedarburg

On the $386,400 median: 3% conventional ≈ $11,592, 3.5% FHA ≈ $13,524, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Ozaukee County become jumbo loans.

At the $386,400 median value (above the Wisconsin median of $247,400), the estimated payment of $3,260/month at 7.18% needs about $140,000 a year under the 28% housing guideline, or $109,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.