IN mortgage rates

Scott County

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

Scott 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 Scott 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 Scott

A local view of the market.

The real estate market in Scott County, Indiana, is currently experiencing significant growth, with the median home sold price reaching $291,000 as of October 2024. This represents a substantial increase of 69.2% from the previous month, indicating a strong seller's market. The median price per square foot is $152, reflecting the competitive nature of the housing market in the area. Scott County is home to several notable cities, with Scottsburg being the largest, boasting a population of approximately 7,384. Another key city is Austin, with a population of around 4,194. These cities serve as central hubs for the county's economic and social activities. Living in Scott County offers a blend of rural and suburban experiences, characterized by its agricultural roots and suburban developments. The county's economy is supported by industries such as manufacturing and agriculture, which attract residents seeking employment opportunities. The affordable real estate and quality of life in a rural setting are key factors driving migration to Scott County, appealing to those looking for a peaceful yet connected lifestyle.

County snapshot

Market context.

IN

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

Market areaScottsburgMapped market area
Area code42500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Scott County

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

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