FL mortgage rates

Pinellas County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Pinellas County, Florida. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Pinellas 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.

View all Florida counties
Refinance Payment Estimate

Estimate Your Refinance in Pinellas 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
Get Free Rate Alerts

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Pinellas

A local view of the market.

Pinellas County, FL, has a highly competitive real estate market, with median home values around $425,000 in 2024. Known for its Gulf Coast beaches and vibrant cities, it attracts retirees, families, and professionals. St. Petersburg, the largest city with around 258,000 residents, is known for its arts and waterfront areas, while Clearwater offers resort-style living with a strong tourism industry. Pinellas County offers a coastal-urban lifestyle with an economy focused on tourism, healthcare, and finance. Its beaches, cultural attractions, and high quality of life make it one of Florida’s most popular places to live.

County snapshot

Market context.

FL

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

Market areaTampa-St. Petersburg-ClearwaterMapped market area
Area code45300CBSA / MSA reference
Featured communitiesClearwater · Dunedin · St. PetersburgFrom the county record
Data year2026Aligned with this limit record
ClearwaterDunedinSt. Petersburg
Top cities & communities

Communities to explore.

ClearwaterDunedinSt. PetersburgTarpon SpringsPinellas ParkLargo
Questions & Answers

Refinancing in Pinellas County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote