VA mortgage rates

Chesterfield County

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

Chesterfield 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 Chesterfield 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 Chesterfield

A local view of the market.

In Chesterfield County, Virginia, the real estate market has seen a significant increase in home values. As of October 2024, the median home sold price was $414,086, reflecting a 7.5% increase from the previous year. The median price per square foot stood at $204, indicating a robust seller's market where homes tend to sell quickly and often above the asking price. The county is home to several prominent cities, including Midlothian, Chesterfield, and Chester. Midlothian is known for its vibrant community and offers numerous homes for sale, making it a popular choice for families. Chesterfield and Chester also provide a variety of housing options, catering to different preferences and budgets, contributing to the county's diverse real estate landscape. Chesterfield County offers a blend of suburban and rural living, attracting residents who appreciate both the tranquility of nature and the convenience of suburban amenities. The county's economy is supported by top industries such as healthcare, education, and retail, which drive local employment and attract new residents. The area's appeal is further enhanced by its quality schools and recreational opportunities, making it a desirable location for families and individuals seeking a balanced lifestyle.

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 Chesterfield County

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

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