MI mortgage rates

Macomb County

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

Macomb 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 Macomb 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 Macomb

A local view of the market.

The real estate market in Macomb County, Michigan, has shown a positive trend with the median listing home price reaching $270,000 as of October 2024, marking a 4.2% increase year-over-year. The median home sold price was slightly lower at $250,000, indicating a competitive market where homes are selling close to their listing prices. Macomb County is home to several prominent cities, including Sterling Heights, Warren, and Shelby Township. Sterling Heights, the largest city in the county, has a population of approximately 132,000 and a median home price of $329,000. Warren follows with a population of around 134,000, offering more affordable housing with a median price of $189,900. Shelby Township, known for its suburban appeal, has a population of about 80,000 and a median home price of $443,000. Living in Macomb County offers a blend of suburban and rural lifestyles. The county is characterized by its suburban communities with ample amenities, while also providing rural areas that support agriculture and farming. The top industries in the county include manufacturing, healthcare, and retail, attracting residents seeking employment opportunities. The real estate market benefits from migration patterns where individuals and families are drawn to the county for its affordable housing options, quality schools, and a balanced lifestyle between urban and rural settings.

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
Featured communitiesWarren · Sterling Heights · RosevilleFrom the county record
Data year2026Aligned with this limit record
WarrenSterling HeightsRoseville
Top cities & communities

Communities to explore.

WarrenSterling HeightsRosevilleEastpointeSt. Clair Shores
Questions & Answers

Refinancing in Macomb County

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

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