VA mortgage rates

James City County

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

James City 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 James City 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 James City

A local view of the market.

In James City County, Virginia, the real estate market has been experiencing a steady increase in home values. As of October 2024, the median listing home price was $500,000, reflecting a 3.1% increase year-over-year. The median sold home price was slightly higher at $509,000, indicating a competitive market where homes are often sold at or above the asking price. James City County includes notable cities such as Williamsburg, Jamestown, and Toano. Williamsburg is the largest city, known for its rich history and vibrant community, with a population of approximately 15,000 residents. Jamestown, famous for its historical significance, has a smaller population, while Toano offers a more rural setting with a close-knit community feel. Living in James City County offers a blend of suburban and rural lifestyles. The area is characterized by its suburban communities, historical sites, and agricultural landscapes. The county's economy is supported by top industries such as tourism, education, and healthcare. Many people are drawn to James City County for its quality of life, historical charm, and the opportunity to live in a community that balances modern amenities with a rural atmosphere.

County snapshot

Market context.

VA

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

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in James City County

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

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