OH mortgage rates

Ross County

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

Ross 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 Ross 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 Ross

A local view of the market.

The real estate market in Ross County, Ohio, has seen a slight increase in home prices over the past year. As of October 2024, the median list price for homes in the county is $219,000, reflecting a 0.9% rise from the previous year. The average price per square foot is $143, indicating a stable market environment. Ross County includes several notable cities, with Chillicothe being the largest and serving as the county seat. Chillicothe has a population of approximately 21,000 residents, making it a central hub for the county. Other significant towns include Frankfort and Bainbridge, which contribute to the county's overall population and economic activities. Living in Ross County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is characterized by farms and open spaces, providing a rural charm. Suburban life is more concentrated around Chillicothe, where residents enjoy a mix of small-town amenities and community events. The top industries in the area include healthcare, manufacturing, and agriculture, attracting people seeking a quieter lifestyle with access to essential services and employment opportunities. Migration patterns suggest that people are moving to Ross County for its affordable housing and the appeal of a rural-suburban lifestyle balance.

County snapshot

Market context.

OH

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

Market areaChillicotheMapped market area
Area code17060CBSA / MSA reference
Featured communityChillicotheFrom the county record
Data year2026Aligned with this limit record
Chillicothe
Top cities & communities

Communities to explore.

Chillicothe
Questions & Answers

Refinancing in Ross County

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

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