OH mortgage rates

Mercer County

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

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2026 limits

2026 Mortgage Loan Limits

Mercer 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 Mercer 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 Mercer

A local view of the market.

Mercer County, Ohio, has seen a significant increase in its real estate market, with the median listing home price reaching $264,900 in October 2024, marking a 39.5% rise from the previous year. This trend indicates a robust seller's market, where demand exceeds supply, driving up property values. The county's largest city is Celina, with a population of approximately 10,930, serving as the county seat. Other notable cities include Coldwater, with a population of 4,770, and St. Henry, home to about 2,603 residents. Living in Mercer County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and agriculture, attracting people seeking a quieter lifestyle with a close-knit community feel. The migration patterns often include individuals and families moving from urban areas to enjoy the county's scenic landscapes and lower cost of living.

County snapshot

Market context.

OH

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

Market areaCelinaMapped market area
Area code16380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Mercer County

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

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