VA mortgage rates

Colonial Heights City County

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

Colonial Heights 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 Colonial Heights 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 Colonial Heights City

A local view of the market.

Colonial Heights City, Virginia, has a dynamic real estate market with the average home value currently at $266,545, reflecting a 2.5% increase over the past year. Homes in this area typically go to pending status within about eight days, indicating a relatively brisk market pace. Colonial Heights is an independent city with a population of approximately 18,461 as of 2024. It is the primary city in its county, and its population has been growing at a rate of 0.37% annually. Living in Colonial Heights City offers a predominantly suburban experience, with the area being fully urbanized and no rural land. The city is part of the Richmond-Petersburg Metropolitan Statistical Area, which supports a variety of industries including retail, healthcare, and education. The suburban lifestyle, coupled with its proximity to larger urban centers, makes Colonial Heights an attractive destination for those seeking a balance between city amenities and a quieter residential environment. This has contributed to migration patterns where individuals and families move to the area for its community feel and employment opportunities.

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 Colonial Heights City County

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

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