MI mortgage rates

Shiawassee County

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

Shiawassee 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 Shiawassee 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 Shiawassee

A local view of the market.

Shiawassee County, Michigan, has a dynamic real estate market characterized by a median listing home price of $199,500 as of October 2024, reflecting a 5% decrease year-over-year. The median price per square foot stands at $135, and homes typically sell close to the asking price, indicating a competitive market environment. The county includes several notable cities, with Owosso being the largest, featuring a median home price of $179,900. Other significant cities include Durand, with a median price of $168,700, and Laingsburg, where homes are listed at a median of $277,000. Perry also stands out with a median home price of $285,000, highlighting the diversity in housing costs across the county. Living in Shiawassee County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape supports both farming and suburban lifestyles, attracting residents seeking a balance between rural charm and suburban convenience. The top industries include manufacturing and agriculture, and the county sees migration from those looking for affordable housing and a quieter lifestyle compared to more urbanized areas.

County snapshot

Market context.

MI

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

Market areaLansing-East LansingMapped market area
Area code29620CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Shiawassee County

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

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