VA mortgage rates

Scott County

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

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.

Scott County, Virginia, is experiencing a dynamic real estate market with a median home sold price of $187,000 as of October 2024, marking a 13.3% increase from the previous year. The market is characterized as a seller's market, indicating that home prices tend to be higher and properties sell relatively quickly. The county includes several notable cities, such as Gate City, Duffield, and Weber City. Gate City, the county seat, is a prominent town with a population of approximately 2,034 residents. Duffield and Weber City are smaller, with populations of around 82 and 1,327, respectively, offering a mix of rural charm and small-town living. Living in Scott County offers a predominantly rural experience with some suburban elements. The area is known for its scenic landscapes, agriculture, and outdoor recreational opportunities. The top industries include agriculture, manufacturing, and retail trade. The county attracts residents seeking a quieter lifestyle, affordable housing, and a strong sense of community, often drawing people from more urbanized areas looking for a change of pace.

County snapshot

Market context.

VA

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

Market areaKingsport-BristolMapped market area
Area code28700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Scott County

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

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