NC mortgage rates

Camden County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Camden County, North Carolina. 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

Camden 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 Camden 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 Camden

A local view of the market.

In Camden County, North Carolina, the real estate market is experiencing a notable upward trend. As of October 2024, the median listing home price is approximately $439,500, which marks a significant increase of 15.8% from the previous year. The average home value in the county is around $376,894, reflecting an 8.3% rise over the past year. Camden County comprises several key cities, with Camden being the most prominent. Camden itself has a median listing home price of $449,500, making it the most expensive city in the county. South Mills follows closely with a median listing price of $444,700, while Shiloh is more affordable, with a median price of $399,900. Living in Camden County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, education, and local government. The area is attracting new residents due to its peaceful rural setting, proximity to larger cities, and the appeal of a slower-paced lifestyle. This migration pattern is driven by individuals and families seeking more space and a connection to nature.

County snapshot

Market context.

NC

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

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Camden County

Common questions about 2026 loan limits and refinancing opportunities in North Carolina.

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