IN mortgage rates

Randolph County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Randolph County, Indiana. 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

Randolph 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 Randolph 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 Randolph

A local view of the market.

The real estate market in Randolph County, Indiana, is experiencing a modest increase, with the average home value at $138,359, reflecting a 3.7% rise over the past year. This growth indicates a steady demand for housing in the area, making it an attractive option for potential homebuyers. Randolph County is home to several notable cities, including Winchester, Union City, and Farmland. Winchester, the county seat, has a population of approximately 4,935 residents. Union City, known for its historic charm, has around 3,584 residents, while Farmland, a smaller community, is home to about 1,333 people. These cities offer a blend of small-town living with access to essential amenities. Living in Randolph County offers a mix of rural and suburban experiences. The county is characterized by its agricultural landscape, with farming being a significant industry. Residents enjoy a peaceful lifestyle with the benefits of suburban conveniences. The county attracts individuals seeking a quieter life away from urban centers, often drawn by the affordable housing market and the opportunity to engage in local agriculture and small business ventures.

Questions & Answers

Refinancing in Randolph County

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

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