MI mortgage rates

Gratiot County

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

Gratiot 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 Gratiot 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 Gratiot

A local view of the market.

Gratiot County, Michigan's real estate market has seen a notable increase in home values, with the median listing home price reaching $206,000 as of October 2024, marking a 16.4% rise year-over-year. The median sold home price stands at $188,300, indicating a balanced market where homes are selling close to their listing prices. The top cities in Gratiot County include Alma, Ithaca, and St. Louis. Alma, the largest city, offers a median home price of $177,700 and is known for its affordable housing options. Ithaca, with a median home price of $190,000, is recognized for its quality schools, while St. Louis is the most affordable city with a median home price of $129,900. Living in Gratiot County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and healthcare. Real estate migration patterns suggest that people are moving to Gratiot County for its affordable housing, rural charm, and the opportunity for a quieter lifestyle away from urban centers.

County snapshot

Market context.

MI

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

Market areaAlmaMapped market area
Area code10940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Gratiot County

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

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