VA mortgage rates

Poquoson City County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Poquoson City County, Virginia. 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

Poquoson City 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 Poquoson City 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 Poquoson City

A local view of the market.

The real estate market in Poquoson City, Virginia, is currently experiencing a seller's market, with a significant increase in home prices. As of October 2024, the median sold price for homes in Poquoson was $625,000, reflecting a dramatic 75.6% rise from the previous month. This trend indicates a competitive market where homes are selling quickly, often below the asking price. Poquoson City is a small independent city in Virginia, and it does not encompass multiple cities within its boundaries. Therefore, it functions as a single entity rather than a county with multiple cities. The population of Poquoson is approximately 12,000 residents, contributing to its close-knit community atmosphere. Living in Poquoson offers a blend of suburban and rural charm, with a strong emphasis on community and family-friendly environments. The area is known for its scenic waterfront views and outdoor recreational opportunities, making it attractive to those seeking a peaceful lifestyle. The top industries in Poquoson include education, healthcare, and local government services, which support the local economy. Real estate migration patterns suggest that people are moving to Poquoson for its quality of life, excellent schools, and safe neighborhoods, making it an appealing choice for families and retirees alike.

County snapshot

Market context.

VA

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

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Poquoson City County

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