VA mortgage rates

Nelson County

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

Nelson 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$598,000
2 units$765,550
3 units$925,350
4 units$1,150,000

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 Nelson 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 Nelson

A local view of the market.

Nelson County, Virginia, has seen a notable increase in real estate activity, with the median home sold price reaching $475,000 in October 2024, reflecting a 5.6% rise from the previous year. The market is currently considered a buyer's market, meaning homes tend to stay on the market longer, providing potential buyers with more negotiation power. The county is home to several key communities, including Lovingston, the county seat, which is a small town with a population of around 500 people. Another notable area is Nellysford, known for its proximity to the Wintergreen Resort and a population of approximately 1,000 residents. These towns offer a blend of rural charm and access to outdoor recreational activities, attracting both residents and visitors alike. Living in Nelson County offers a mix of rural and suburban lifestyles, with a strong emphasis on agriculture and tourism as top industries. The area is known for its scenic landscapes, wineries, and outdoor activities, making it an attractive destination for those seeking a quieter, nature-focused lifestyle. Migration patterns suggest that people are moving to Nelson County for its natural beauty and the opportunity to live in a less urbanized environment while still having access to modern amenities.

County snapshot

Market context.

VA

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

Market areaCharlottesvilleMapped market area
Area code16820CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Nelson County

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

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