MI mortgage rates

Oakland County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Oakland County, Michigan. 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

Oakland 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 Oakland 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 Oakland

A local view of the market.

Oakland County, Michigan, is experiencing a dynamic real estate market with a median home sold price of $348,548 as of October 2024, reflecting a 5.5% increase from the previous year. The county remains a seller's market, indicating higher prices and faster sales. The top cities in Oakland County include Troy, with a population of approximately 84,000, and Farmington Hills, home to around 81,000 residents. Other notable cities are Rochester Hills and Southfield, each contributing significantly to the county's vibrant community life. Living in Oakland County offers a blend of suburban and rural experiences, with suburban areas dominating the landscape. The county is known for its strong automotive and healthcare industries, attracting professionals and families alike. People are drawn to Oakland County for its quality of life, excellent schools, and proximity to Detroit, making it a popular choice for those seeking suburban living with urban amenities nearby.

County snapshot

Market context.

MI

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

Market areaDetroit-Warren-DearbornMapped market area
Area code19820CBSA / MSA reference
Featured communitiesMadison Heights · Oak Park · Farmington HillsFrom the county record
Data year2026Aligned with this limit record
Madison HeightsOak ParkFarmington Hills
Top cities & communities

Communities to explore.

Madison HeightsOak ParkFarmington HillsBirminghamPontiacRoyal OakTroyAuburn HillsNoviRochester HillsSouthfield
Questions & Answers

Refinancing in Oakland County

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

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