MI mortgage rates

Iosco County

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

Iosco 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 Iosco 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 Iosco

A local view of the market.

The real estate market in Iosco County, Michigan, has seen significant growth, with the median home sold price reaching $190,000 in October 2024, marking a 25% increase from the previous year. This rise reflects a seller's market, where homes tend to sell faster and at higher prices. Iosco County's largest city is Oscoda, known for its scenic location along Lake Huron. Tawas City, another prominent area, serves as the county seat and has a population of approximately 1,827. These cities are central to the county's community and economic activities. Living in Iosco County offers a blend of rural and suburban experiences, with much of the area characterized by forested lands and proximity to Lake Huron. The county's economy is supported by industries such as tourism, agriculture, and small-scale manufacturing. Many residents are drawn to the area for its natural beauty and quieter lifestyle, contributing to a steady influx of retirees and those seeking a more rural living environment.

Questions & Answers

Refinancing in Iosco County

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

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