OH mortgage rates

Hardin County

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

Hardin 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 Hardin 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 Hardin

A local view of the market.

In Hardin County, Ohio, the real estate market is currently characterized as a seller's market, with homes selling quickly and prices on the rise. As of October 2024, the median home sold price was $171,500, reflecting a 7.2% increase from the previous year. The median price per square foot stands at $115, indicating a competitive market where demand is high and inventory is limited. The top cities in Hardin County include Kenton, Ada, and Forest. Kenton, the county seat, has a median listing home price of $149,900, making it the most affordable city in the county. Ada, known for hosting Ohio Northern University, has a higher median listing home price of $229,000. Forest, another key city, offers a median listing home price of $187,300, providing a balance between affordability and amenities. Living in Hardin County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural lifestyle. Suburban areas offer more modern conveniences and community activities. The top industries in the county include agriculture, manufacturing, and education, attracting people seeking a quieter lifestyle with access to essential services and employment opportunities. Migration patterns suggest that people are moving to Hardin County for its affordable housing and the quality of life offered by its rural and suburban settings.

Questions & Answers

Refinancing in Hardin County

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

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