OH mortgage rates

Gallia County

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

Gallia 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 Gallia 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 Gallia

A local view of the market.

Gallia County, Ohio, has seen a notable increase in its real estate market, with the average home value rising to $154,117, marking a 4.5% increase over the past year. This growth reflects broader trends in the county's housing market, making it an attractive area for potential homebuyers. The largest city in Gallia County is Gallipolis, with a population of approximately 3,277. Other notable areas include Green Township and Gallipolis Township, with populations of 5,453 and 4,961, respectively. Living in Gallia County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and local industries. The county's affordable cost of living has attracted new residents, contributing to a net in-migration. The primary industries include healthcare, education, and manufacturing, which provide diverse employment opportunities for 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 areaPoint PleasantMapped market area
Area code38580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Gallia County

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

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