VA mortgage rates

Giles County

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

Giles 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 Giles 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 Giles

A local view of the market.

Giles County, Virginia, presents a dynamic real estate market with a median home value of approximately $180,575, reflecting a 1.6% increase over the past year. The market has seen fluctuations, with some areas experiencing a decline in median sale prices, such as a 4.1% decrease to $169,000 in recent months. The county is home to several notable cities, including Pearisburg, Narrows, and Pembroke. Pearisburg, the county seat, has a population of about 2,786, while Narrows hosts around 2,000 residents. Pembroke is smaller, with a population of approximately 1,128. These towns provide a mix of residential options and community-focused living. Living in Giles County offers a predominantly rural lifestyle with pockets of suburban areas, making it ideal for those interested in agriculture and farming. The county's economy is supported by industries such as education, healthcare, and manufacturing. Migration patterns suggest that people are drawn to Giles County for its scenic beauty, affordable housing, and the appeal of a quieter, more rural lifestyle.

County snapshot

Market context.

VA

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

Market areaBlacksburg-ChristiansburgMapped market area
Area code13980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Giles County

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

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