FL mortgage rates

Manatee County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Manatee County, Florida. 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

Manatee 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$547,400
2 units$700,750
3 units$847,050
4 units$1,052,700

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 Manatee 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 Manatee

A local view of the market.

Manatee County, FL, has a competitive real estate market, with median home values around $490,000 in 2024. Known for its coastal areas and strong job market, it attracts retirees, families, and young professionals. Bradenton, with around 55,000 residents, offers a mix of suburban and urban amenities, while Lakewood Ranch is a popular planned community. Manatee County provides a coastal-suburban lifestyle with an economy based on tourism, healthcare, and retail. Its scenic beaches, family-friendly communities, and proximity to larger urban centers make it popular among a variety of residents.

County snapshot

Market context.

FL

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

Market areaNorth Port-Sarasota-BradentonMapped market area
Area code35840CBSA / MSA reference
Featured communityBradentonFrom the county record
Data year2026Aligned with this limit record
Bradenton
Top cities & communities

Communities to explore.

Bradenton
Questions & Answers

Refinancing in Manatee County

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

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