MI mortgage rates

St. Clair County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Clair 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

St. Clair 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 St. Clair 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 St. Clair

A local view of the market.

The real estate market in St. Clair County, Michigan, has experienced growth in recent years. As of October 2024, the median home sold price was $230,533, reflecting a 4.8% increase from the previous year. The average home value in the county is approximately $250,667, with homes typically going under contract in about 14 days. St. Clair County includes several notable cities, with Port Huron being the largest, boasting a population of around 29,000 residents. Other significant cities include Marysville and St. Clair, which have populations of approximately 9,700 and 5,400, respectively. These cities contribute to the county's diverse urban landscape, offering various amenities and community events. Living in St. Clair County offers a mix of rural and suburban experiences. The county is known for its agricultural activities and scenic landscapes, providing a peaceful rural lifestyle alongside suburban conveniences. Key industries include manufacturing, healthcare, and agriculture, which attract new residents seeking employment opportunities. The county's affordable housing market and proximity to natural attractions make it an appealing destination for those looking to relocate.

County snapshot

Market context.

MI

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

Market areaDetroit-Warren-DearbornMapped market area
Area code19820CBSA / MSA reference
Featured communityPort HuronFrom the county record
Data year2026Aligned with this limit record
Port Huron
Top cities & communities

Communities to explore.

Port Huron
Questions & Answers

Refinancing in St. Clair County

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

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