PA mortgage rates

Columbia County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Columbia County, Pennsylvania. 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

Columbia 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 Columbia 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 Columbia

A local view of the market.

The real estate market in Columbia County, Pennsylvania, is experiencing a slight decline in home values. The average home value is approximately $221,880, which has decreased by 1.4% over the past year. Homes in the area typically go to pending status within about 14 days, indicating a relatively active market. Columbia County is home to several notable cities, with Bloomsburg being the largest. Bloomsburg, which is the only incorporated town in Pennsylvania, has a population of about 13,115. Another significant borough is Berwick, with a population of approximately 10,318. These cities are central to the county's cultural and economic activities. Living in Columbia County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture. The county's economy heavily relies on agriculture, generating significant revenue and providing numerous jobs. Many residents appreciate the rural lifestyle, which includes access to farmland and a slower pace of life. The county attracts individuals seeking a quieter, more community-oriented environment, away from the hustle and bustle of urban areas.

County snapshot

Market context.

PA

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

Market areaBloomsburg-BerwickMapped market area
Area code14100CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Columbia County

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

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