IN mortgage rates

Ohio County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Ohio County, Indiana. 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

Ohio 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 Ohio 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 Ohio

A local view of the market.

Ohio County, Indiana, has seen a notable increase in its real estate market, with the average home value reaching $275,306, reflecting a 6.5% rise over the past year. This growth indicates a robust demand for housing in the area, making it an attractive market for potential buyers and investors. The county is home to several small towns, with Rising Sun being the most prominent. Rising Sun serves as the county seat and is known for its charming riverfront views and a population of approximately 2,200 residents. The town offers a blend of historical and modern living, attracting both locals and visitors alike. Living in Ohio County offers a predominantly rural experience, with a mix of agricultural and suburban lifestyles. The county's economy is supported by industries such as agriculture, manufacturing, and tourism, particularly due to its scenic landscapes and historical sites. Migration patterns suggest that people are moving to Ohio County for its peaceful rural environment, affordable housing, and the opportunity to enjoy a slower-paced lifestyle away from the hustle and bustle of urban centers.

County snapshot

Market context.

IN

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

Market areaCincinnatiMapped market area
Area code17140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Ohio County

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

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