MI mortgage rates

Ontonagon County

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

Ontonagon 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 Ontonagon 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 Ontonagon

A local view of the market.

Ontonagon County, Michigan, presents a real estate market characterized by a median home sold price of $127,000 as of October 2024, reflecting a 15.3% decrease from the previous month. The market is currently favorable for buyers, with homes selling below the asking price and an average of 69 days on the market. The top cities in Ontonagon County include Ontonagon Township and the village of Ontonagon. Ontonagon Township has a population of approximately 2,253, while the village of Ontonagon has around 1,263 residents. Living in Ontonagon County offers a predominantly rural lifestyle, with most residents owning their homes. The area is known for its natural beauty, including the Porcupine Mountains and Lake Superior beaches, which attract outdoor enthusiasts. The local economy is supported by industries such as tourism, agriculture, and small businesses. The county's rural charm and outdoor recreational opportunities make it appealing to retirees and those seeking a quieter lifestyle.

Questions & Answers

Refinancing in Ontonagon County

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

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