VA mortgage rates

Bath County

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

Bath 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 Bath 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 Bath

A local view of the market.

The real estate market in Bath County, Virginia, has seen significant changes recently. As of October 2024, the median home list price in Bath County is $311,750, marking a 22.5% increase from the previous year. The median price per square foot is $214, reflecting a robust market with rising property values. Bath County encompasses several small communities, with Hot Springs being one of the most notable. Hot Springs is known for its historic resorts and natural hot springs, attracting both tourists and new residents. The county's population is relatively small, with communities like Warm Springs and Millboro contributing to the local charm and rural lifestyle. Living in Bath County offers a predominantly rural experience, with a strong emphasis on agriculture and outdoor activities. The county's economy is supported by industries such as tourism, agriculture, and small businesses. The scenic landscapes and tranquil environment make it an attractive destination for those seeking a quieter, more nature-oriented lifestyle. This appeal, combined with relatively affordable real estate, draws people looking to escape urban areas.

Questions & Answers

Refinancing in Bath County

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

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