IN mortgage rates

Montgomery County

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

Montgomery 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 Montgomery 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 Montgomery

A local view of the market.

Montgomery County, Indiana's real estate market is experiencing a buyer's market as of October 2024, with a median listing home price of $220,000, which is a decrease of 7.2% from the previous year. The median sold home price is slightly lower at $217,000. Homes in the county are generally affordable, with a median listing price per square foot of $109. The county includes several cities, with Crawfordsville being the largest and most notable. Crawfordsville has a median listing home price of $232,500 and offers a range of amenities and services. Other key cities include Ladoga, with a median home price of $182,500, and Waveland, which is the most expensive city in the county with a median home price of $282,500. Montgomery County offers a blend of rural and suburban living, with a strong presence of agriculture and farming. The county's economy is supported by industries such as manufacturing and education, with Wabash College located in Crawfordsville. The area's affordable housing and rural charm attract people looking for a quieter lifestyle away from urban centers, contributing to its real estate migration patterns.

County snapshot

Market context.

IN

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

Market areaCrawfordsvilleMapped market area
Area code18820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Montgomery County

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

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