AZ mortgage rates

Graham County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Graham County, Arizona. 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

Graham 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 Graham 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 Graham

A local view of the market.

Graham County, AZ, has a relatively affordable real estate market, with median home values around $375,000 in 2024. The county’s rural charm and affordability make it attractive to families and retirees. Safford, the county seat and largest city, has a population of about 10,000. Thatcher, a nearby community, has around 5,000 residents and is home to Eastern Arizona College. Graham County offers a rural lifestyle with a local economy focused on agriculture, education, and small businesses. Its scenic views and strong sense of community attract residents who value a slower pace of life and outdoor recreation opportunities.

County snapshot

Market context.

AZ

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

Market areaSaffordMapped market area
Area code40940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Graham County

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

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