VA mortgage rates

Clarke County

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

Clarke County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

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 Clarke 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 Clarke

A local view of the market.

Clarke County, Virginia's real estate market is experiencing a notable increase in home values. As of October 2024, the median listing home price is approximately $654,500, reflecting a 19% rise from the previous year. The median home sold price is around $575,000, indicating a strong demand in the housing market. The county includes several cities, with Berryville being one of the most prominent. Berryville has a median listing home price of $659,500. Other notable cities include Boyce, with a median listing price of $799,000, and White Post, which is more affordable with a median price of $550,000. Living in Clarke County offers a blend of rural and suburban experiences. The area is known for its agricultural roots, with many farms and open spaces, providing a peaceful rural lifestyle. However, it also offers suburban conveniences, making it attractive for those seeking a balance between country and suburban living. The top industries in the county include agriculture, education, and healthcare, which contribute to its appeal as a relocation destination for families and retirees seeking a quieter lifestyle with access to essential services.

County snapshot

Market context.

VA

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

Market areaWashington-Arlington-AlexandriaMapped market area
Area code47900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clarke County

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

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