VA mortgage rates

Frederick County

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

Frederick 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 Frederick 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 Frederick

A local view of the market.

Frederick County, Virginia's real estate market has been experiencing growth, with the median listing home price reaching $465,000 as of October 2024, reflecting a 4.2% increase year-over-year. The market is characterized as a buyer's market, with homes typically selling for around the asking price after an average of 42 days on the market. The top cities in Frederick County include Winchester, with a population of approximately 28,013, and Stephens City, with around 2,029 residents. Other notable areas are Shawneeland and Lake Holiday, with populations of 2,142 and 2,622, respectively. Living in Frederick County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and suburban development. The county is known for its diverse industries, including manufacturing and agriculture, and has seen growth due to its proximity to the Washington, D.C. metro area. This growth is attracting new residents seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

VA

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

Market areaWinchesterMapped market area
Area code49020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Frederick County

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

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