VA mortgage rates

Amelia County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Amelia County, Virginia. 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

Amelia 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$707,250
2 units$905,400
3 units$1,094,450
4 units$1,360,100

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 Amelia 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 Amelia

A local view of the market.

The real estate market in Amelia County, Virginia, is currently neutral, with a median home price of $330,500 as of October 2024. This represents an 8.4% increase from the previous year. Homes in the area are selling for an average of $210 per square foot, indicating a stable market where prices are reasonable and homes remain on the market for a typical duration. Amelia County is largely rural, with Amelia Court House being the primary community and administrative center. The county does not have large cities, but Amelia Court House serves as a central hub for the local population. The population of the county is relatively small, with a focus on community and rural living. Living in Amelia County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The area is characterized by farmland and open spaces, providing a peaceful environment for residents. The top industries include agriculture and related services, which attract individuals seeking a quieter, more rural lifestyle. People may be drawn to Amelia County for its affordable housing, open spaces, and the opportunity to engage in farming or enjoy a suburban life away from the hustle and bustle of larger urban areas.

County snapshot

Market context.

VA

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

Market areaRichmondMapped market area
Area code40060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Amelia County

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

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