VA mortgage rates

Suffolk City County

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

Suffolk 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 Suffolk 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 Suffolk City

A local view of the market.

The real estate market in Suffolk City, Virginia, has seen a notable increase in home values over the past year. The average home value in Suffolk is approximately $362,173, reflecting a 4.4% rise from the previous year. Homes in this area typically go to pending status in about 37 days, indicating a relatively active market. Suffolk City itself is the primary city within Suffolk County, Virginia, and serves as an independent city. As of recent estimates, the population of Suffolk City is around 94,000 residents. This city is known for its blend of urban and rural environments, offering a unique living experience compared to more densely populated areas. Living in Suffolk City offers a mix of rural and suburban lifestyles. The area is characterized by its agricultural roots, with many farms and open spaces contributing to its rural charm. At the same time, suburban life is thriving, supported by a range of industries including manufacturing, retail, and healthcare. The county attracts people looking for a quieter lifestyle with more space, while still being within commuting distance to larger metropolitan areas like Norfolk and Virginia Beach. This migration pattern is driven by the desire for affordable housing and a balanced lifestyle.

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
Featured communitySuffolkFrom the county record
Data year2026Aligned with this limit record
Suffolk
Top cities & communities

Communities to explore.

Suffolk
Questions & Answers

Refinancing in Suffolk City County

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

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