OH mortgage rates

Belmont County

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

Belmont 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 Belmont 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 Belmont

A local view of the market.

The real estate market in Belmont County, Ohio, is currently a buyer's market, with the median home sold price at $151,200 as of October 2024, reflecting a 3.6% increase from the previous year. Homes in the area are selling for an average of $99 per square foot, and the market has seen a 15.1% increase in the number of homes for sale compared to the previous month. Belmont County's top cities include Martins Ferry, with a population of 6,236, and St. Clairsville, which serves as the county seat with a population of 5,079. Other notable cities are Barnesville and Bellaire, with populations of 3,999 and 3,862, respectively. Living in Belmont County offers a mix of rural and suburban experiences, with a strong agricultural presence. The county's diverse agricultural base includes dairy, beef, and crop farming, contributing significantly to the local economy. The area is attractive for those seeking a quieter lifestyle, with opportunities in agriculture and natural resources being prominent. Migration patterns suggest people are moving to Belmont County for its affordable housing and rural charm, combined with the benefits of suburban amenities.

County snapshot

Market context.

OH

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

Market areaWheelingMapped market area
Area code48540CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Belmont County

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

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