MI mortgage rates

Eaton County

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

Eaton 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 Eaton 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 Eaton

A local view of the market.

The real estate market in Eaton County, Michigan, has shown a positive trend with the median listing home price reaching $270,000 in October 2024, reflecting a 5.9% increase year-over-year. The median home sold price was slightly lower at $243,500, indicating a competitive market where homes are selling close to their listing prices. Eaton County encompasses several notable cities, including Grand Ledge, Charlotte, and Eaton Rapids. Grand Ledge is known for its median listing home price of $299,900, while Charlotte and Eaton Rapids have median prices of $255,000 and $233,900, respectively. These cities offer a mix of suburban and small-town atmospheres, contributing to the county's diverse living options. Living in Eaton County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its agricultural lands and suburban neighborhoods, providing residents with a peaceful environment. The top industries include agriculture, manufacturing, and healthcare, attracting people seeking a quieter lifestyle with access to essential services and employment opportunities. Migration patterns suggest that people are moving to Eaton County for its affordable housing and quality of life.

County snapshot

Market context.

MI

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

Market areaLansing-East LansingMapped market area
Area code29620CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Eaton County

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

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