OH mortgage rates

Holmes County

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

Holmes 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 Holmes 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 Holmes

A local view of the market.

Holmes County, Ohio, has a dynamic real estate market with a median listing home price of $295,000 as of October 2024, reflecting a significant increase of 23.4% year-over-year. The median home sold price is $350,800, indicating a competitive market where homes often sell above the asking price. The county is home to several notable cities, with Millersburg being the largest, offering a median listing home price of $299,000. Other prominent cities include Killbuck, with a median home price of $269,000, and Lake Buckhorn, known for its higher median listing price of $337,500. These cities provide a range of housing options and are integral to the county's real estate landscape. Holmes County is predominantly rural, characterized by its rich agricultural heritage and Amish community, which contributes to its unique cultural landscape. The county offers a blend of rural and suburban living, with agriculture being a significant industry. The area attracts people seeking a quieter lifestyle, away from urban centers, and those interested in farming or small-town living. This migration pattern is driven by the county's scenic beauty, community-oriented lifestyle, and economic opportunities in agriculture and related industries.

Questions & Answers

Refinancing in Holmes County

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

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