VA mortgage rates

Roanoke County

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

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

About Roanoke

A local view of the market.

Roanoke County, Virginia, presents a dynamic real estate market with a median listing home price of $350,000 as of October 2024, which shows a slight decrease of 4.1% from the previous year. The median sold home price is slightly higher at $355,000, indicating a competitive market where homes are selling close to their listing prices. The county is home to several prominent cities, including Cave Spring, Vinton, and Hollins. Cave Spring is the most expensive city with a median listing home price of $359,700, while Vinton is more affordable at $315,000. Hollins offers a median listing price of $319,000, providing a range of options for potential homebuyers. Roanoke County offers a mix of rural and suburban living, with a strong presence of agriculture and suburban life. The top industries include healthcare, education, and manufacturing, attracting people seeking employment opportunities. The county's scenic landscapes and quality of life make it an appealing destination for those looking to relocate from more urban areas.

County snapshot

Market context.

VA

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

Market areaRoanokeMapped market area
Area code40220CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Roanoke County

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

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