Moyer Realty Brokered by eXp Realty

Average mortgage rates this week

30-year fixed mortgage rate, U.S. weekly average
7.24%
15-year fixed mortgage rate, U.S. weekly average
6.6%

Week of October 29, 2026. Source: Freddie Mac, Primary Mortgage Market Survey, retrieved from FRED, Federal Reserve Bank of St. Louis. These are national averages, not a quote or a Wisconsin rate. Your rate depends on your credit, down payment, loan type, and lender, so talk with a lender for numbers you can count on.

Buying

Buy with someone who knows how houses and land are put together.

Jeff Moyer spent years in construction and landscaping before real estate, and he has lived in the Stoughton area all his life. He helps buyers look past the listing photos to the things that decide what a property will cost to own.

Talk with JeffSee listings

How buying usually goes

Every purchase is a little different, but most follow these steps.

  • Talk to a lender first

    A pre-approval tells you what you can borrow and shows sellers you’re ready. Compare at least two lenders: rates, fees, and loan types differ.

  • Decide what matters

    Location, size, and budget come first. For rural property, add the practical questions: well and septic, road access, outbuildings, and how the land drains.

  • Look closely

    Jeff’s construction background helps spot what to ask about early: roof and foundation, additions, drainage, and the cost of repairs you may be taking on.

  • Make an offer

    Price is only part of an offer. Contingencies for financing and inspection, and the closing date, can matter just as much to a seller.

  • Inspect and test

    Inspections, and for rural property well water and septic evaluations, are your chance to learn about the property before you commit.

  • Close and move in

    Your lender, the title company, and Jeff work through the paperwork. Then it’s yours.

The local market by county

How many homes were for sale, how fast they went, and what sellers asked, county by county. Updated each month from Realtor.com®.

Listings from September 1–30, 2026

Columbia164Dane1,181Green83Iowa57*Jefferson214Lafayette26*Rock336Sauk158
261,181* Outside the usual range this month; read with care

Dane County

September 1–30, 2026

Homes for sale
1,181
Pending sales
629
New listings
528
Median asking price
$480,125
Median days on market
55
Price cutslistings with a price cut this month
510 (21%)
Pending ratiopending sales ÷ homes for sale; higher means more competition
0.53
Median home size
1,927 sq ft
Price per sq ftmedian asking price per square foot
$246
See homes for sale in Dane County (opens in a new tab)
All the numbers by county
Housing market by county, September 1–30, 2026
CountyHomes for salePending salesNew listingsMedian asking priceMedian days on marketPrice cutsPending ratioMedian home sizePrice per sq ft
Dane County1,181629528$480,12555510 (21%)0.531,927 sq ft$246
Rock County336233186$383,59940152 (20%)0.691,841 sq ft$200
Jefferson County2145174$398,9505862 (18%)0.241,837 sq ft$225
Columbia County1648380$432,4005974 (22%)0.511,887 sq ft$219
Sauk County15810482$424,4956954 (16%)0.661,946 sq ft$231
Green County836538$398,9256532 (17%)0.781,944 sq ft$207
Iowa County*573122$309,9254828 (25%)0.551,780 sq ft$177
Lafayette County*261612$302,4985212 (23%)0.611,878 sq ft$174

Source: Realtor.com® Economic Research, county housing inventory, listings from September 1–30, 2026. These are listing figures for each whole county: asking prices, not sale prices. *Realtor.com® flags this month’s figures for Iowa and Lafayette counties as outside their usual range; read them with care. Ask Jeff what’s happening in the town or neighborhood you’re looking at.

What would the monthly payment be?

Run the numbers before you shop: price, down payment, rate, taxes, and insurance. It starts with this week’s average rate and local asking prices; change anything to match your situation.

Local banks and credit unions

Talking to more than one lender is the easiest way to compare rates and fees. These banks and credit unions have branches in and around Stoughton.

FDIC-insured banks and federally insured credit unions with a branch in Stoughton, McFarland, Oregon, Cottage Grove, Cambridge, Deerfield, Brooklyn, Edgerton, Evansville, Belleville, Rockdale, Fitchburg, Monona, Verona. The first few are where Jeff suggests starting; the rest are listed alphabetically. Names, websites, and branches from the FDIC BankFind Suite (retrieved November 1, 2026) and NCUA Credit Union Locator (retrieved November 1, 2026) (FDIC, NCUA); logos from each institution’s own website. Names and logos belong to their owners. Credit unions have membership requirements, so check whether you’re eligible. Mortgage companies also make home loans and aren’t listed.

Buyer questions

Straight answers to what buyers ask Jeff most.

Should I get pre-approved before I start looking?

Yes. It sets a realistic budget, helps you act quickly when the right property comes up, and sellers take pre-approved buyers more seriously.

What’s different about buying a rural home or land?

Rural property often has a private well and septic system, may have outbuildings or farmland, and can come with zoning or access questions. Jeff helps buyers ask about these early, before they shape the price or the plan.

Are the mortgage rates on this page what I’ll get?

No. They are weekly national averages that give a sense of where rates are. Your rate depends on your credit, down payment, loan type, and lender.

Thinking about buying?

Tell Jeff what you’re looking for and where. He’ll help you figure out the next step, whether that’s a lender, a showing, or a walk around a piece of land.

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608-692-9141

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