OH mortgage rates

Scioto County

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

Scioto 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 Scioto 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 Scioto

A local view of the market.

In Scioto County, Ohio, the real estate market has seen some fluctuations. As of October 2024, the median listing home price was approximately $179,900, reflecting a 10.1% increase year-over-year. The median home sold price was $125,000, indicating a buyer's market where homes typically sell for about 5.08% below the asking price. The county includes several notable cities, with Portsmouth being the largest, having a population of about 20,000. Other significant cities include Wheelersburg and Lucasville, each with populations around 6,000 and 2,000, respectively. These cities contribute to the county's diverse residential landscape, offering a mix of urban and suburban living options. Scioto County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural setting. The top industries include healthcare, education, and manufacturing, which attract new residents seeking employment opportunities. People may move to Scioto County for its affordable housing, community-focused living, and the scenic beauty of its rural areas.

County snapshot

Market context.

OH

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

Market areaPortsmouthMapped market area
Area code39020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Scioto County

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

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