VA mortgage rates

New Kent County

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

New Kent 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$707,250
2 units$905,400
3 units$1,094,450
4 units$1,360,100

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 New Kent 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 New Kent

A local view of the market.

The real estate market in New Kent County, Virginia, is currently characterized as a seller's market, with homes selling relatively quickly and at higher prices. As of October 2024, the median home sold price was $424,210, reflecting a 3.5% increase from the previous year. The median price per square foot was $203, indicating a competitive market environment. New Kent County encompasses several small communities, with New Kent and Quinton being among the most notable. While specific population figures for these areas are not detailed in the available data, they serve as central hubs within the county, offering residential and commercial amenities that support the local economy and community life. Living in New Kent County offers a blend of rural and suburban experiences, with a landscape that supports both agricultural activities and suburban living. The county's economy benefits from industries such as agriculture, manufacturing, and retail. The area's appeal for new residents often includes its rural charm, proximity to larger cities like Richmond, and a relatively lower cost of living compared to urban centers, making it an attractive destination for those seeking a quieter lifestyle with access to urban conveniences.

County snapshot

Market context.

VA

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

Market areaRichmondMapped market area
Area code40060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in New Kent County

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

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