MI mortgage rates

Midland County

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

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2026 limits

2026 Mortgage Loan Limits

Midland 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 Midland 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 Midland

A local view of the market.

Midland County, Michigan, has seen a robust real estate market in 2024, with the median home sold price reaching $225,000, marking a 9% increase from the previous year. The market remains a seller's market, with homes selling quickly and often above asking prices. The top cities in Midland County include Midland, Sanford, Coleman, and Edenville. Midland, the largest city, has a population of approximately 42,000 and is known for its vibrant community and amenities. Sanford and Coleman are smaller, with populations of around 900 and 1,200 respectively, offering a more rural and close-knit community feel. Living in Midland County offers a mix of rural and suburban lifestyles, with a strong presence of agriculture and farming. The county's economy is supported by industries such as manufacturing, healthcare, and education. People are drawn to Midland County for its affordable housing, quality schools, and the balance of rural charm and suburban convenience, making it an attractive location for families and retirees alike.

County snapshot

Market context.

MI

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

Market areaMidlandMapped market area
Area code33220CBSA / MSA reference
Featured communityMidlandFrom the county record
Data year2026Aligned with this limit record
Midland
Top cities & communities

Communities to explore.

Midland
Questions & Answers

Refinancing in Midland County

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

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