FL mortgage rates

Franklin County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Franklin County, Florida. 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

Franklin 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 Franklin 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Franklin

A local view of the market.

Franklin County, FL, has a moderate real estate market, with median home values around $695,000 in 2024. Known for its Gulf Coast beaches and rural areas, it appeals to retirees and seasonal residents. Apalachicola, with about 2,500 residents, is known for its historic charm and seafood industry. Franklin County offers a rural-coastal lifestyle with an economy based on tourism, fishing, and seafood industries. Its scenic beaches, historic towns, and quiet atmosphere attract residents and seasonal visitors seeking a relaxed coastal environment away from larger tourist hubs.

Questions & Answers

Refinancing in Franklin County

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

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