GA mortgage rates

Baldwin County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Baldwin County, Georgia. 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

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

About Baldwin

A local view of the market.

Baldwin County, GA, has a moderately priced real estate market, with median home values around $330,000 as of 2024. Known for its historical significance and lakefront living, it offers diverse housing options. Milledgeville, with a population of approximately 18,700, is the largest city and known for its historic sites and college-town feel due to Georgia College & State University. Baldwin County offers a suburban-rural mix, with an economy based on education, healthcare, and retail. Its historic charm, access to Lake Sinclair, and family-friendly atmosphere make it a desirable location for a range of residents.

County snapshot

Market context.

GA

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

Market areaMilledgevilleMapped market area
Area code33300CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Baldwin County

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

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