VA mortgage rates

Augusta County

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

Augusta 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 Augusta 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 Augusta

A local view of the market.

The real estate market in Augusta County, Virginia, is experiencing growth, with the median home value reaching approximately $337,344, reflecting a 3.7% increase over the past year. Homes in the area typically go pending within about eight days, indicating a robust demand. In October 2024, the median sold price was $410,000, marking a significant 27.5% increase from the previous month. Augusta County includes several prominent cities, with Staunton and Waynesboro being among the largest. Staunton has a population of approximately 24,000, while Waynesboro is home to around 22,000 residents. These cities serve as cultural and economic hubs within the county, offering a blend of historical charm and modern amenities. Living in Augusta County offers a mix of rural and suburban experiences, with a strong presence of agriculture and farming. The county's economy is supported by industries such as manufacturing, healthcare, and education. The area's scenic landscapes and affordable housing attract individuals seeking a quieter lifestyle away from urban centers, contributing to a steady influx of new residents.

County snapshot

Market context.

VA

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

Market areaStauntonMapped market area
Area code44420CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Augusta County

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

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