NC mortgage rates

Union County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Union County, North Carolina. 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

Union 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 Union 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 Union

A local view of the market.

Union County, North Carolina, is experiencing a seller's market with a median home price of $464,916 as of October 2024, reflecting a 3.3% increase from the previous year. Homes in the area are selling for an average of $216 per square foot, indicating a robust demand in the real estate market. The county's most notable cities include Monroe, Indian Trail, and Waxhaw. Monroe, the county seat, has a population of approximately 36,000, while Indian Trail and Waxhaw have populations of around 40,000 and 20,000, respectively. These cities are popular for their suburban appeal and proximity to Charlotte, making them attractive to families and professionals alike. Union County offers a mix of suburban and rural living, with agriculture playing a significant role in its economy. The area is known for its farms and equestrian facilities, providing a rural charm alongside suburban conveniences. The top industries include manufacturing, retail, and healthcare, which attract new residents seeking employment opportunities. Additionally, the county's affordable housing and quality of life are key factors driving migration from nearby urban areas like Charlotte.

County snapshot

Market context.

NC

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

Market areaCharlotte-Concord-GastoniaMapped market area
Area code16740CBSA / MSA reference
Featured communitiesWaxhaw · Monroe · Indian TrailFrom the county record
Data year2026Aligned with this limit record
WaxhawMonroeIndian Trail
Top cities & communities

Communities to explore.

WaxhawMonroeIndian Trail
Questions & Answers

Refinancing in Union County

Common questions about 2026 loan limits and refinancing opportunities in North Carolina.

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