IN mortgage rates

Monroe County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Monroe County, Indiana. 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

Monroe 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 Monroe 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 Monroe

A local view of the market.

Monroe County, Indiana, has seen a modest increase in its real estate market, with the average home value reaching $304,706, reflecting a 2.8% rise over the past year. Homes in the area typically go pending in about 38 days, indicating a relatively active market. The county is home to several notable cities, with Bloomington being the largest and most prominent, boasting a population of approximately 85,000 residents. Other significant towns include Ellettsville and Stinesville, which contribute to the county's diverse urban landscape. Living in Monroe County offers a mix of suburban and rural experiences. The area is known for its agricultural activities, alongside a thriving suburban lifestyle, particularly in Bloomington. The county's economy is bolstered by industries such as education, healthcare, and manufacturing. Many people are drawn to Monroe County for its quality of life, educational opportunities at Indiana University, and the balance it offers between urban amenities and rural charm.

County snapshot

Market context.

IN

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

Market areaBloomingtonMapped market area
Area code14020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Monroe County

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

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