MI mortgage rates

Dickinson County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Dickinson County, Michigan. 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

Dickinson 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 Dickinson 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 Dickinson

A local view of the market.

The real estate market in Dickinson County, Michigan, has seen a slight increase in home values over the past year, with the average home value now at $160,348, marking a 2.6% rise. This reflects a stable market environment where property values are gradually appreciating, offering potential opportunities for both buyers and sellers in the region. The county is home to several key cities, including Iron Mountain and Kingsford. Iron Mountain, the largest city, has a population of approximately 7,400 residents, while Kingsford has around 5,100 residents. These cities serve as central hubs for commerce and community life within the county, providing essential services and amenities to their residents. Living in Dickinson County offers a blend of rural and suburban experiences, with a strong presence of agricultural activities alongside suburban living. The county's economy is supported by industries such as manufacturing, healthcare, and retail trade. The area attracts new residents due to its affordable housing, scenic landscapes, and a quieter lifestyle compared to urban centers, making it an appealing destination for those seeking a balance between work and leisure.

County snapshot

Market context.

MI

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

Market areaIron MountainMapped market area
Area code27020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Dickinson County

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

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