OH mortgage rates

Miami County

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

Miami 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 Miami 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 Miami

A local view of the market.

The real estate market in Miami County, Ohio, has shown a positive trend with the median home sold price reaching $238,576 in October 2024, marking a 3.1% increase from the previous year. The average home value in the county is approximately $245,753, reflecting a 6.2% rise over the past year. Miami County is home to several notable cities, including Troy, Piqua, and Tipp City. Troy, the largest city, has a population of around 26,000 residents. Piqua follows with a population of approximately 20,000, and Tipp City has about 10,000 residents. These cities serve as key hubs for residential and commercial activities within the county. Living in Miami County offers a blend of rural and suburban lifestyles, with a significant portion of the area dedicated to agriculture and farming. The county's economy is supported by industries such as manufacturing, healthcare, and retail. The real estate market sees migration patterns influenced by the county's affordable housing, quality of life, and proximity to larger cities like Dayton, making it an attractive option for families and individuals seeking a quieter, yet connected, living environment.

County snapshot

Market context.

OH

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

Market areaDayton-KetteringMapped market area
Area code19430CBSA / MSA reference
Featured communitiesTroy · PiquaFrom the county record
Data year2026Aligned with this limit record
TroyPiqua
Top cities & communities

Communities to explore.

TroyPiqua
Questions & Answers

Refinancing in Miami County

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

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