MI mortgage rates

Genesee County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Genesee County, Michigan. 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

Genesee 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 Genesee 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 Genesee

A local view of the market.

The real estate market in Genesee County, Michigan, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price was $204,495, reflecting a 4.4% increase from the previous year. This growth indicates a strong seller's market, with homes selling relatively quickly and often above the asking price. Genesee County includes several prominent cities, each with its unique characteristics. Flint, the largest city, has a population of approximately 94,000 and is known for its affordable housing market, with a median listing price of $60,000. Grand Blanc, with a population of around 8,000, offers a more suburban feel and a higher median home price of $299,900. Other notable cities include Fenton and Davison, which also contribute to the county's diverse urban landscape. Living in Genesee County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is characterized by its suburban communities and rural farmlands, providing a balanced lifestyle for residents. Key industries include healthcare, manufacturing, and education, which attract people seeking job opportunities and a lower cost of living compared to larger metropolitan areas. The county's appeal is further enhanced by its proximity to natural attractions and its supportive community environment.

County snapshot

Market context.

MI

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

Market areaFlintMapped market area
Area code22420CBSA / MSA reference
Featured communitiesFlint · BurtonFrom the county record
Data year2026Aligned with this limit record
FlintBurton
Top cities & communities

Communities to explore.

FlintBurton
Questions & Answers

Refinancing in Genesee County

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

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