VA mortgage rates

Highland County

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

Highland 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 Highland 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 Highland

A local view of the market.

Highland County, Virginia, is experiencing a dynamic real estate market with an average home value of approximately $269,693, reflecting a 7.2% increase over the past year. This growth indicates a rising demand for housing in the area, making it an attractive option for potential homebuyers. The county is home to several small towns, with Monterey being the county seat and most notable city. Monterey has a population of around 150 people, serving as a central hub for the county's residents. Other small communities contribute to the county's rural charm, but specific population figures for these areas are typically low, reflecting the county's overall sparse population density. Living in Highland County offers a predominantly rural lifestyle, characterized by its scenic landscapes and agricultural activities. The county is known for its farming and agricultural industries, which are among the top economic drivers. Many people are drawn to Highland County for its peaceful, rural environment and the opportunity to engage in farming or enjoy a quieter lifestyle away from urban centers. This migration pattern is often driven by individuals seeking a more tranquil and nature-oriented way of life.

Questions & Answers

Refinancing in Highland County

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

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