OH mortgage rates

Allen County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Allen County, Ohio. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Allen County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Allen County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Allen

A local view of the market.

The real estate market in Allen County, Ohio, has seen a moderate increase in home values over the past year. The average home value is approximately $174,012, reflecting a 4.9% rise. Homes in this area typically go to pending status in around 11 days, indicating a relatively active market. Allen County includes several notable cities, with Lima being the largest. Lima has a population of about 37,000 residents, making it a central hub for the county. Other significant cities include Delphos and Bluffton, which contribute to the county's diverse community and economic activities. Living in Allen County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with farming being a prominent industry alongside manufacturing and healthcare. This blend of rural charm and suburban convenience attracts people seeking a quieter lifestyle with access to urban amenities. Migration patterns often include individuals moving from larger cities for more affordable housing and a slower pace of life.

County snapshot

Market context.

OH

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaLimaMapped market area
Area code30620CBSA / MSA reference
Featured communityLimaFrom the county record
Data year2026Aligned with this limit record
Lima
Top cities & communities

Communities to explore.

Lima
Questions & Answers

Refinancing in Allen County

Common questions about 2026 loan limits and refinancing opportunities in Ohio.

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