GA mortgage rates

Houston County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Houston County, Georgia. 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

Houston 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 Houston 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 Houston

A local view of the market.

Houston County, GA, has a strong real estate market, with median home values around $285,000 in 2024. The county’s affordability, good schools, and close proximity to Robins Air Force Base make it a popular choice for military families and professionals. Warner Robins is the largest city, with a population of about 80,000, offering diverse amenities and services. Perry and Centerville are other key communities with a suburban feel and family-oriented atmosphere. Houston County provides a suburban-rural mix, with an economy driven by the military, healthcare, and retail. The area’s parks, schools, and community events make it appealing to families and young professionals.

County snapshot

Market context.

GA

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

Market areaWarner RobinsMapped market area
Area code47580CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Houston County

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

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