OH mortgage rates

Clark County

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

Clark 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 Clark 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 Clark

A local view of the market.

Clark County, Ohio, has seen a notable increase in real estate activity, with the median home sold price reaching $189,884 as of October 2024, marking an 8.5% rise from the previous year. This growth reflects a seller's market, where homes tend to sell faster and at higher prices. The county includes several prominent cities, with Springfield being the largest, boasting a population of approximately 59,000 residents. Other key cities include New Carlisle, with around 5,700 residents, and Enon, which has a population of about 2,400. These cities contribute significantly to the county's economic and cultural landscape. Living in Clark County offers a blend of rural and suburban experiences, with agriculture playing a vital role in the local economy alongside manufacturing and healthcare. The area attracts new residents due to its affordable housing and proximity to larger cities like Dayton, offering both a peaceful lifestyle and access to urban amenities. This migration pattern is driven by those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

OH

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

Market areaSpringfieldMapped market area
Area code44220CBSA / MSA reference
Featured communitySpringfieldFrom the county record
Data year2026Aligned with this limit record
Springfield
Top cities & communities

Communities to explore.

Springfield
Questions & Answers

Refinancing in Clark County

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

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