AZ mortgage rates

Mohave County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Mohave County, Arizona. 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

Mohave 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 Mohave 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 Mohave

A local view of the market.

Mohave County, AZ, has a growing real estate market with median home values around $399,000 in 2024. Its affordability and proximity to Las Vegas make it popular for retirees and commuters. Kingman, the county seat, has a population of about 33,000. Lake Havasu City (population 58,000) and Bullhead City (population 41,000) are other popular areas known for their recreational appeal. Mohave County offers a suburban-rural mix with a local economy based on tourism, retail, and healthcare. Its scenic river and desert landscapes attract residents who enjoy boating, hiking, and a relaxed lifestyle, making it ideal for both families and retirees.

County snapshot

Market context.

AZ

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

Market areaLake Havasu City-KingmanMapped market area
Area code29420CBSA / MSA reference
Featured communitiesKingman · Lake Havasu · BullheadFrom the county record
Data year2026Aligned with this limit record
KingmanLake HavasuBullhead
Top cities & communities

Communities to explore.

KingmanLake HavasuBullhead
Questions & Answers

Refinancing in Mohave County

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

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