OH mortgage rates

Monroe County

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

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, Ohio's real estate market has seen a significant increase in home values, with the median listing price reaching $159,500 as of October 2024, reflecting a 10.7% rise from the previous year. The median price per square foot is $84, and homes are selling for a median price of $187,500, indicating a buyer's market where supply exceeds demand. The county includes several small towns, with Woodsfield being the county seat. Woodsfield has a median listing home price of $127,000 and offers affordable housing options. Other notable towns include Sardis, with a median home price of $237,000, and Beallsville, which has a variety of homes for sale. Monroe County is predominantly rural, with a landscape characterized by rolling hills and agricultural land. The area is known for its farming and agricultural industries, which are among the top economic drivers. The county offers a quiet, rural lifestyle with a strong sense of community, attracting those looking for a peaceful environment. People may move to Monroe County for its affordable housing, rural charm, and opportunities in agriculture and related industries.

Questions & Answers

Refinancing in Monroe County

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

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