MI mortgage rates

Mason County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Mason 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.

View all Michigan counties
Refinance Payment Estimate

Estimate Your Refinance in Mason 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 Mason

A local view of the market.

Mason County, Michigan, has a dynamic real estate market with a median listing home price of $287,000 as of October 2024. This represents a slight decrease of 4.3% year-over-year. The median home sold price is $245,000, indicating a balanced market where supply and demand are relatively equal. The top cities in Mason County include Ludington, Scottville, and Free Soil. Ludington is the largest city with a population of approximately 8,000 residents and has a median listing home price of $292,000. Scottville, with a smaller population, offers a median listing price of $269,000, while Free Soil features larger lots and a more rural setting. Living in Mason County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's top industries include manufacturing, healthcare, and tourism, attracting people seeking a quieter, more community-focused lifestyle. The area is appealing for those looking to escape urban environments, offering a blend of natural beauty and small-town charm.

County snapshot

Market context.

MI

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

Market areaLudingtonMapped market area
Area code31220CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Mason County

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

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.