VA mortgage rates

Montgomery County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Montgomery County, Virginia. 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
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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, Virginia, has a dynamic real estate market with a median listing home price of $420,000 as of October 2024, reflecting a 12% increase from the previous year. The median home sold price is slightly lower at $328,500, indicating a competitive market where homes are selling close to their listing prices. The county is home to several notable cities, including Blacksburg and Christiansburg. Blacksburg, known for its vibrant community and home to Virginia Tech, has a population of approximately 44,000. Christiansburg, another significant town, has a population of around 22,000, offering a blend of suburban and small-town charm. Living in Montgomery County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and suburban life. The county's economy is bolstered by top industries such as education, technology, and healthcare, attracting new residents seeking employment opportunities and a high quality of life. The presence of Virginia Tech also influences migration patterns, drawing students, faculty, and staff to the area.

County snapshot

Market context.

VA

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

Market areaBlacksburg-ChristiansburgMapped market area
Area code13980CBSA / MSA reference
Featured communitiesBlacksburg · ChristiansburgFrom the county record
Data year2026Aligned with this limit record
BlacksburgChristiansburg
Top cities & communities

Communities to explore.

BlacksburgChristiansburg
Questions & Answers

Refinancing in Montgomery County

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

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