MI mortgage rates

Livingston County

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

Livingston 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 Livingston 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Livingston

A local view of the market.

Livingston County, Michigan, has a dynamic real estate market characterized by a median home sold price of $375,000 as of October 2024, reflecting a 2.7% increase from the previous year. The county remains a seller's market, with homes selling relatively quickly and prices trending upwards. The top cities in Livingston County include Hamburg Township, Genoa Township, and Green Oak Township. Hamburg Township is the largest, with a population of approximately 21,687, followed by Genoa Township with 20,598 residents, and Green Oak Township with 18,887 residents. Livingston County offers a blend of rural and suburban lifestyles, with a strong presence of agriculture and suburban communities. The county has seen an influx of residents due to its proximity to metro Detroit, making it an attractive location for those seeking a suburban lifestyle with easy access to urban amenities. Key industries include manufacturing, healthcare, and retail, contributing to its economic growth and appeal as a residential destination.

County snapshot

Market context.

MI

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

Market areaDetroit-Warren-DearbornMapped market area
Area code19820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Livingston County

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

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