VA mortgage rates

Charles City County

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

Charles City 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$707,250
2 units$905,400
3 units$1,094,450
4 units$1,360,100

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 Charles City 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 Charles City

A local view of the market.

The real estate market in Charles City County, Virginia, is characterized by a median listing home price of $282,500 as of October 2024, which represents a significant decrease of 29.4% compared to the previous year. The median sold home price is slightly lower at $270,000, indicating a market where homes are selling close to their listing prices. This trend suggests a buyer's market, with homes typically spending around 25 days on the market before being sold. Charles City County is relatively rural and does not have a large number of cities or towns. The primary community in the county is Charles City, which serves as the county seat. Due to its rural nature, the population is spread out, and specific population figures for towns within the county are not prominently highlighted. The county's rural setting provides a quiet lifestyle away from the hustle and bustle of urban areas. Living in Charles City County offers a predominantly rural lifestyle with a mix of agriculture and suburban living. The area is known for its historical significance and natural beauty, attracting those who appreciate a quieter, more laid-back environment. Agriculture plays a significant role in the local economy, and the county's scenic landscapes make it appealing for those seeking a rural retreat. Migration patterns suggest that people may be moving to Charles City County for its affordable housing and the appeal of rural living, away from the congestion of city life.

County snapshot

Market context.

VA

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

Market areaRichmondMapped market area
Area code40060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Charles City County

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

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