VA mortgage rates

Staunton City County

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

Staunton City 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 Staunton City 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 Staunton City

A local view of the market.

Staunton City, Virginia, has a dynamic real estate market with a median listing home price of $330,000 as of October 2024, reflecting a 1.5% increase year-over-year. The median sold home price stands at $261,100, indicating a balanced market where homes typically sell for approximately the asking price. Staunton City itself is the primary city within the county, with a population of approximately 25,600 people. As an independent city, it is not part of any county, which is a unique feature in Virginia. Staunton is known for its historic downtown and vibrant arts scene, contributing to its appeal as a residential area. Living in Staunton City offers a blend of suburban and rural experiences, with a strong emphasis on community and cultural activities. The area is characterized by its historic architecture and scenic landscapes, making it attractive for those seeking a quieter lifestyle with access to urban amenities. Key industries include education, healthcare, and tourism, driven by attractions like the American Shakespeare Center. The city attracts new residents due to its rich cultural heritage and affordable housing compared to larger metropolitan 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 areaStauntonMapped market area
Area code44420CBSA / MSA reference
Featured communityStauntonFrom the county record
Data year2026Aligned with this limit record
Staunton
Top cities & communities

Communities to explore.

Staunton
Questions & Answers

Refinancing in Staunton City County

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

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