VA mortgage rates

Southampton County

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

Southampton 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 Southampton 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 Southampton

A local view of the market.

The real estate market in Southampton County, Virginia, has been experiencing significant growth. As of October 2024, the median listing home price was $327,000, reflecting a year-over-year increase of 42.2%. This upward trend indicates a robust demand for housing in the area, contributing to rising property values. Southampton County is home to several notable cities, including Courtland and Ivor. Courtland, the county seat, offers a small-town atmosphere with a population of approximately 1,200 residents. Ivor, another prominent town, has a population of around 300 people. These towns provide a glimpse into the county's rural charm and community-oriented lifestyle. Living in Southampton County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful environment for residents. Key industries include agriculture, forestry, and manufacturing, attracting individuals seeking a quieter lifestyle away from urban centers. The county's appeal lies in its affordability and the opportunity for a more relaxed pace of life, drawing people from more congested areas.

County snapshot

Market context.

VA

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

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Southampton County

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

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