MI mortgage rates

Ottawa County

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

Ottawa 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 Ottawa 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 Ottawa

A local view of the market.

Ottawa County, Michigan, has a dynamic real estate market characterized by a median home sold price of $371,394 as of October 2024, reflecting a 5.3% increase from the previous year. The median price per square foot stands at $255, indicating a competitive market where homes tend to sell quickly. The county is home to several prominent cities, including Holland, Grand Haven, and Hudsonville. Holland, with a population of approximately 33,000, is known for its vibrant downtown and cultural events. Grand Haven, hosting around 11,000 residents, is famous for its picturesque waterfront and annual Coast Guard Festival. Hudsonville, with a population of about 7,300, offers a suburban feel with excellent schools and community amenities. Living in Ottawa County offers a mix of suburban and rural experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms, and its proximity to Lake Michigan provides ample recreational opportunities. The top industries include manufacturing, healthcare, and education, attracting people seeking a balanced lifestyle with access to both urban amenities and natural beauty. The county's appeal is further enhanced by its strong community spirit and quality of life, making it a desirable location for new residents.

County snapshot

Market context.

MI

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

Market areaGrand Rapids-KentwoodMapped market area
Area code24340CBSA / MSA reference
Featured communityHollandFrom the county record
Data year2026Aligned with this limit record
Holland
Top cities & communities

Communities to explore.

Holland
Questions & Answers

Refinancing in Ottawa County

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

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