FL mortgage rates

Bay County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Bay County, Florida. 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

Bay 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 Bay 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 Bay

A local view of the market.

Bay County, FL, has a growing real estate market, with median home values around $429,000 in 2024. Known for its scenic beaches, it attracts retirees, families, and seasonal residents. Panama City, the largest city with about 36,000 residents, serves as the main hub, while Panama City Beach is popular with tourists and residents alike. Bay County offers a coastal lifestyle with an economy based on tourism, retail, and healthcare. Its waterfront views, recreational options, and affordable coastal properties appeal to a diverse range of residents seeking beach access and a relaxed lifestyle.

County snapshot

Market context.

FL

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

Market areaPanama CityMapped market area
Area code37460CBSA / MSA reference
Featured communitiesLynn Haven · PanamaFrom the county record
Data year2026Aligned with this limit record
Lynn HavenPanama
Top cities & communities

Communities to explore.

Lynn HavenPanama
Questions & Answers

Refinancing in Bay County

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

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