OH mortgage rates

Franklin County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Franklin County, Ohio. 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$591,100
2 units$756,700
3 units$914,700
4 units$1,136,750

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

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, Ohio, has seen a steady increase in real estate values, with the median home price reaching approximately $310,000 in October 2024, remaining stable compared to the previous year. The average home value is $287,999, reflecting a 3.9% increase over the past year. Homes in the area typically go pending in about seven days, indicating a competitive market. The county's largest city, Columbus, has a population of over 900,000 and serves as the state capital. Other notable cities include Westerville, with a population of about 41,000, and Dublin, which is home to around 50,000 residents. These cities offer a mix of suburban and urban living, with a variety of amenities and services. Franklin County offers a blend of suburban and urban environments, with a strong emphasis on suburban life. The area is known for its vibrant communities and proximity to agricultural regions, providing a balance of city and rural living. Key industries include education, healthcare, and technology, attracting professionals and families seeking job opportunities and a high quality of life. The county's real estate market benefits from migration patterns driven by its economic growth and cultural attractions, making it a desirable location for new residents.

County snapshot

Market context.

OH

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

Market areaColumbusMapped market area
Area code18140CBSA / MSA reference
Featured communitiesDublin · Westerville · ReynoldsburgFrom the county record
Data year2026Aligned with this limit record
DublinWestervilleReynoldsburg
Top cities & communities

Communities to explore.

DublinWestervilleReynoldsburgHilliardWhitehallUpper ArlingtonGahannaGroveColumbus
Questions & Answers

Refinancing in Franklin County

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

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