MI mortgage rates

Berrien County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Berrien County, Michigan. 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

Berrien 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 Berrien 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 Berrien

A local view of the market.

The real estate market in Berrien County, Michigan, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price was $274,053, reflecting a 6.4% increase from the previous year. The median listing home price was $365,000, with homes selling for an average of 2.1% below the asking price. Berrien County is home to several prominent cities, including Niles, Benton Harbor, and St. Joseph. Niles has a population of approximately 11,000 residents, while Benton Harbor is home to around 9,800 people. St. Joseph, known for its beautiful lakefront, has a population of about 8,300. Living in Berrien County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's top industries include manufacturing and healthcare, attracting people seeking employment opportunities and a quieter lifestyle. Many are drawn to the county for its scenic landscapes and proximity to Lake Michigan, making it an appealing destination for those looking to relocate from more urban areas.

County snapshot

Market context.

MI

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

Market areaNilesMapped market area
Area code35660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Berrien County

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

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