VA mortgage rates

Smyth County

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

Smyth 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 Smyth 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 Smyth

A local view of the market.

The real estate market in Smyth County, Virginia, has seen significant growth recently. As of October 2024, the median home list price was $210,000, reflecting a 16.1% increase from the previous year. This rise in home values indicates a strong demand in the area, with the median price per square foot reaching $129. Smyth County is home to several towns, with Marion being the largest, boasting a population of approximately 5,575. Other notable towns include Saltville, with around 1,766 residents, and Chilhowie, home to about 1,607 people. These towns offer a glimpse into the county's diverse community and serve as key hubs within the region. Living in Smyth County offers a blend of rural and suburban experiences, characterized by its scenic landscapes and agricultural roots. The county's economy is supported by industries such as manufacturing and agriculture, providing a stable job market. The low cost of living and the appeal of a quieter, small-town lifestyle are attracting new residents, contributing to a steady influx of people seeking a change from urban environments.

Questions & Answers

Refinancing in Smyth County

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

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