OH mortgage rates

Montgomery County

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

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.

The real estate market in Montgomery County, Ohio, is currently a seller's market, with the median home sold price reaching $205,530 as of October 2024. This represents a 6.9% increase from the previous year, indicating a robust market where homes are selling relatively quickly and often above the asking price. Montgomery County includes several prominent cities, with Dayton being the largest, boasting a population of approximately 140,000 residents. Other significant cities include Kettering, with around 56,000 residents, and Huber Heights, home to about 38,000 people. These cities contribute to the county's diverse urban landscape, offering a mix of cultural, educational, and recreational opportunities. Living in Montgomery County offers a blend of suburban and rural experiences. The county features a mix of suburban neighborhoods and rural areas, with agriculture playing a role in its economy. Key industries include manufacturing, healthcare, and education, attracting new residents seeking job opportunities and a balanced lifestyle. The county's affordable housing and proximity to major highways make it an attractive destination for those relocating from more expensive urban areas.

County snapshot

Market context.

OH

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

Market areaDayton-KetteringMapped market area
Area code19430CBSA / MSA reference
Featured communitiesRiverside · Dayton · CentervilleFrom the county record
Data year2026Aligned with this limit record
RiversideDaytonCenterville
Top cities & communities

Communities to explore.

RiversideDaytonCentervilleTrotwoodHuber HeightsKettering
Questions & Answers

Refinancing in Montgomery County

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

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