VA mortgage rates

Surry County

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

Surry 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 Surry 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 Surry

A local view of the market.

The real estate market in Surry County, Virginia, is currently experiencing a buyer's market, with the median home sold price at $247,500 as of October 2024, reflecting a 20.2% decrease from the previous year. Homes in the area have been selling for a median price of $146 per square foot, and the market has seen an increase in housing inventory, with 57 homes available for sale, marking a 14% rise from the previous month. Surry County comprises several small communities, with Surry and Spring Grove being among the most notable. Surry has a median listing home price of $325,000, while Spring Grove's median listing price is $225,000. These areas offer a range of housing options and are characterized by their small-town charm and rural settings. Living in Surry County offers a predominantly rural lifestyle, with a strong emphasis on agriculture and farming. The county's economy is largely supported by industries such as agriculture, forestry, and fishing, which play a significant role in the local job market. The area's rural appeal, combined with its affordability and proximity to larger urban centers, makes it an attractive option for those seeking a quieter, more laid-back lifestyle away from the hustle and bustle of city life.

Questions & Answers

Refinancing in Surry County

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

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