MI mortgage rates

Kent County

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

Kent 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 Kent 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 Kent

A local view of the market.

Kent County, Michigan, has a dynamic real estate market with a median listing home price of $349,900 as of October 2024, reflecting a 1.7% increase from the previous year. The median home sold price is slightly lower at $320,000, indicating a competitive market where homes often sell close to the listing price. The county is home to several prominent cities, including Grand Rapids, Kentwood, Wyoming, and Rockford. Grand Rapids, the largest city, has a population of approximately 200,000 and a median home price of $315,000. Kentwood and Wyoming offer more affordable housing options, with median home prices of $332,000 and $269,900, respectively. Rockford, known for its excellent schools, has a higher median home price of $470,000. Living in Kent County offers a blend of suburban and rural lifestyles, with a strong presence of agriculture and suburban communities. The county's economy is bolstered by industries such as healthcare, manufacturing, and education. Migration patterns suggest that people are moving to Kent County for its affordable housing, quality of life, and employment opportunities, particularly in Grand Rapids, which is gaining national attention for its growth and affordability.

County snapshot

Market context.

MI

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

Market areaGrand Rapids-KentwoodMapped market area
Area code24340CBSA / MSA reference
Featured communitiesGrand Rapids · Kentwood · WalkerFrom the county record
Data year2026Aligned with this limit record
Grand RapidsKentwoodWalker
Top cities & communities

Communities to explore.

Grand RapidsKentwoodWalkerWyoming
Questions & Answers

Refinancing in Kent County

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

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