OH mortgage rates

Putnam County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Putnam County, Ohio. 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

Putnam 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 Putnam 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 Putnam

A local view of the market.

The real estate market in Putnam County, Ohio, is currently characterized as a seller's market, with the median home sold price remaining steady at $180,000 as of October 2024. This stability indicates a balanced demand and supply, with homes selling at an average of $110 per square foot. Putnam County includes several notable cities, with Ottawa serving as the county seat. Ottawa has a population of approximately 4,400 residents. Other significant towns include Leipsic, with around 2,000 residents, and Columbus Grove, which is home to about 2,100 people. These towns offer a mix of small-town charm and essential amenities for residents. Living in Putnam County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its agricultural output, which influences the lifestyle and job opportunities available. Many residents are drawn to the area for its peaceful rural environment, affordable housing, and the opportunity to engage in farming or related industries. Additionally, the suburban areas provide a quieter alternative to urban living, attracting those seeking a slower pace of life.

Questions & Answers

Refinancing in Putnam County

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

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