VA mortgage rates

Harrisonburg City County

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

Harrisonburg City 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 Harrisonburg City 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 Harrisonburg City

A local view of the market.

The real estate market in Harrisonburg City, Virginia, has seen a modest increase over the past year. The average home value in the city is approximately $291,233, reflecting a 1.8% rise from the previous year. This indicates a stable market with gradual appreciation in property values. Harrisonburg City itself is the primary urban area within the county, serving as a central hub for the surrounding region. As an independent city, it does not contain other cities within its boundaries, but it is closely associated with nearby towns and communities in Rockingham County, which contribute to the area's population and economic activities. Living in Harrisonburg City offers a blend of suburban and rural experiences. The city is known for its vibrant community life, supported by a mix of educational institutions, including James Madison University, which is a significant employer. The local economy benefits from industries such as education, healthcare, and agriculture. People are drawn to Harrisonburg for its quality of life, educational opportunities, and the scenic beauty of the Shenandoah Valley, making it an attractive destination for those seeking a balance between urban amenities and rural charm.

County snapshot

Market context.

VA

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

Market areaHarrisonburgMapped market area
Area code25500CBSA / MSA reference
Featured communityHarrisonburgFrom the county record
Data year2026Aligned with this limit record
Harrisonburg
Top cities & communities

Communities to explore.

Harrisonburg
Questions & Answers

Refinancing in Harrisonburg City County

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

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