VA mortgage rates

Floyd County

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

Floyd 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 Floyd 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 Floyd

A local view of the market.

Floyd County, Virginia, has a dynamic real estate market characterized by a median home sold price of $300,000 as of October 2024, reflecting a 4.8% decrease from the previous year. The market remains a seller's market, indicating that homes tend to sell quickly and often at higher prices, with a median price per square foot at $198. The county's primary city, Floyd, serves as the cultural and economic hub, with a population of approximately 425 residents. Other notable areas include Check and Copper Hill, which are smaller but contribute to the county's rural charm. These communities are known for their scenic landscapes and close-knit atmospheres, attracting those who appreciate a quieter lifestyle. Living in Floyd County offers a predominantly rural experience, with a strong emphasis on agriculture and farming. The area is known for its vibrant arts scene and local music festivals, which draw visitors and new residents alike. The top industries include agriculture, tourism, and small-scale manufacturing. People are often drawn to Floyd County for its natural beauty, community-focused lifestyle, and the opportunity to live in a more serene environment away from the hustle and bustle of urban areas.

Questions & Answers

Refinancing in Floyd County

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

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