OH mortgage rates

Athens County

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

Athens 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 Athens 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 Athens

A local view of the market.

The real estate market in Athens County, Ohio, has seen a modest increase in home values over the past year. As of October 2024, the median listing price for homes in the county was $197,250, reflecting a 3.9% rise from the previous year. This increase is part of a broader trend in the region, with varying changes in prices depending on the number of bedrooms, such as a significant 54.2% increase for one-bedroom homes. Athens County includes several notable cities, with Athens being the largest and serving as the county seat. Athens has a population of approximately 24,956, experiencing a growth rate of 1.15% annually. Other significant towns in the county include Nelsonville and Albany, which contribute to the county's diverse demographic and economic landscape. Living in Athens County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and education due to the presence of Ohio University in Athens. The county's economy is supported by education, healthcare, and agriculture, attracting individuals seeking a quieter lifestyle with access to educational and cultural amenities. Migration patterns suggest that people are moving to Athens County for its affordable housing, educational opportunities, and the appeal of a vibrant college town atmosphere.

County snapshot

Market context.

OH

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

Market areaAthensMapped market area
Area code11900CBSA / MSA reference
Featured communityAthensFrom the county record
Data year2026Aligned with this limit record
Athens
Top cities & communities

Communities to explore.

Athens
Questions & Answers

Refinancing in Athens County

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

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