MI mortgage rates

Ingham County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Ingham County, Michigan. 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

Ingham 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 Ingham 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 Ingham

A local view of the market.

Ingham County, Michigan, has seen a notable increase in its real estate market, with the median home sold price reaching $199,998 in October 2024, marking an 8% rise from the previous year. This growth reflects a strong seller's market where homes are selling faster and often above the asking price. The county is home to several prominent cities, including Lansing, the state capital, with a population of approximately 112,000 residents. East Lansing, known for Michigan State University, has around 48,000 residents, while Okemos and Mason offer smaller, vibrant communities with populations of about 24,000 and 8,500, respectively. Ingham County offers a mix of suburban and rural living, with suburban areas providing convenient access to urban amenities and rural regions supporting agriculture and farming. The local economy is bolstered by top industries such as education, healthcare, and government services. The county attracts new residents due to its educational institutions, job opportunities, and a balanced lifestyle that combines suburban comfort with rural charm.

County snapshot

Market context.

MI

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

Market areaLansing-East LansingMapped market area
Area code29620CBSA / MSA reference
Featured communitiesLansing · East LansingFrom the county record
Data year2026Aligned with this limit record
LansingEast Lansing
Top cities & communities

Communities to explore.

LansingEast Lansing
Questions & Answers

Refinancing in Ingham County

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

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