OH mortgage rates

Madison County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Madison County, Ohio. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Madison 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$591,100
2 units$756,700
3 units$914,700
4 units$1,136,750

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Ohio counties
Refinance Payment Estimate

Estimate Your Refinance in Madison 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 Madison

A local view of the market.

Madison County, Ohio, has experienced a notable increase in its real estate market, with the median home sold price reaching $401,590 in October 2024, marking a 12% rise from the previous year. This growth reflects a strong seller's market, where homes are selling faster and at higher prices compared to the past. The county's largest city, London, has a population of approximately 10,268, followed by West Jefferson with 4,155 residents, and Plain City with 4,144 residents. These cities serve as key hubs within the county, offering a mix of residential and commercial opportunities. Living in Madison County offers a blend of rural and suburban lifestyles, with a significant emphasis on agriculture. The county is predominantly rural, with 94% of its land dedicated to farming, making it a major agricultural producer in Ohio. The top industries include agriculture and renewable energy, with projects like the Madison Fields Solar Farm highlighting the county's innovative approach to integrating farming with solar energy. People are drawn to Madison County for its agricultural opportunities, suburban living, and the potential for sustainable development.

County snapshot

Market context.

OH

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

Market areaColumbusMapped market area
Area code18140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Madison County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.