VA mortgage rates

King William County

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

King William 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$707,250
2 units$905,400
3 units$1,094,450
4 units$1,360,100

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 King William 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 King William

A local view of the market.

The real estate market in King William County, Virginia, is currently a buyer's market, with the median home sold price reaching $347,500 in October 2024, reflecting a 5.3% increase from the previous year. The median price per square foot stands at $206, indicating a steady rise in property values over the past year. King William County includes several notable cities, with Aylett and West Point being among the most prominent. Aylett is known for its small-town charm and growing population, while West Point, with a population of approximately 3,300, serves as a key economic and cultural hub in the county. These cities offer a blend of historical significance and modern amenities, attracting both residents and visitors alike. Living in King William County offers a mix of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing, agriculture, and retail trade. The area's affordable housing and peaceful environment attract people looking to escape the hustle and bustle of urban life, making it an appealing destination for those seeking a quieter, more community-oriented lifestyle.

County snapshot

Market context.

VA

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

Market areaRichmondMapped market area
Area code40060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in King William County

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

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