VA mortgage rates

Amherst County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Amherst 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

Amherst 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 Amherst 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 Amherst

A local view of the market.

The real estate market in Amherst County, Virginia, has seen some growth recently, with the average home value reaching $247,502, marking a 4.7% increase over the past year. Homes in the area typically go to pending status in about 17 days, indicating a relatively active market. Amherst County includes several notable cities, with Amherst being the county seat. Amherst itself is a small town with a population of approximately 2,200 residents. Another significant area is Madison Heights, which is more suburban and has a population of around 11,000 people. These towns provide a mix of rural charm and suburban convenience. Living in Amherst County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its scenic landscapes and farming communities, attracting those seeking a quieter, more rural lifestyle. The top industries include agriculture, manufacturing, and education. People are often drawn to Amherst County for its affordable housing, natural beauty, and the opportunity to live in a close-knit community.

County snapshot

Market context.

VA

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

Market areaLynchburgMapped market area
Area code31340CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Amherst County

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

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