MI mortgage rates

Roscommon County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Roscommon County, Michigan. 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

Roscommon 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 Roscommon 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 Roscommon

A local view of the market.

The real estate market in Roscommon County, Michigan, is currently experiencing a seller's market, with the median home sold price reaching $183,683 in October 2024, marking an 8% increase from the previous year. The median price per square foot stands at $152, indicating a competitive market where homes tend to sell relatively quickly. The top cities in Roscommon County include Houghton Lake, Roscommon, and St. Helen. Houghton Lake is the largest community, known for its namesake lake, which is a popular destination for tourists and residents alike. Roscommon, the county seat, offers a quaint small-town atmosphere, while St. Helen is known for its outdoor recreational activities, attracting those who enjoy a rural lifestyle. Living in Roscommon County offers a mix of rural and suburban experiences, with a strong emphasis on outdoor recreation and tourism. The county's economy is supported by industries such as tourism, agriculture, and small businesses. Many people are drawn to the area for its natural beauty and recreational opportunities, making it an attractive destination for those seeking a quieter, more rural lifestyle. The migration patterns suggest that people are moving to Roscommon County for its affordable housing and the appeal of living near lakes and forests.

Questions & Answers

Refinancing in Roscommon County

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

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