VA mortgage rates

Powhatan County

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

Powhatan 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$707,250
2 units$905,400
3 units$1,094,450
4 units$1,360,100

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 Powhatan 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 Powhatan

A local view of the market.

The real estate market in Powhatan County, Virginia, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price in the county was $455,000, reflecting a 6.6% rise from the previous year. The median price per square foot was $228, indicating a competitive market where homes are selling relatively quickly. Powhatan County comprises two primary cities: Powhatan and Macon. Powhatan is the larger of the two, with a population that contributes significantly to the county's overall demographic. These areas offer a blend of rural charm and suburban convenience, attracting residents who appreciate a quieter lifestyle while still being within reach of urban amenities. Living in Powhatan County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's landscape is dotted with farms and open spaces, providing a peaceful environment that appeals to those seeking a break from city life. The top industries in the area include agriculture, education, and healthcare, which support the local economy. Migration patterns suggest that people are moving to Powhatan County for its affordable housing options and the quality of life it offers, making it an attractive destination 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 areaRichmondMapped market area
Area code40060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Powhatan County

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