IN mortgage rates

Vermillion County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Vermillion County, Indiana. 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

Vermillion 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 Vermillion 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Vermillion

A local view of the market.

The real estate market in Vermillion County, Indiana, is currently experiencing a significant increase in home values. As of October 2024, the median home sold price was $139,250, representing a 91.4% increase from the previous year. This surge indicates a strong seller's market, where homes are selling faster and at higher prices. The top cities in Vermillion County include Clinton and Cayuga. Clinton, the largest city, offers a small-town feel with a population of approximately 4,800 residents. Cayuga, another notable town, has a population of around 1,100, providing a more rural lifestyle while still being part of the county's community. Living in Vermillion County is characterized by a blend of rural and suburban environments. The county is known for its agricultural roots, with farming and agriculture being prominent industries. The area attracts those looking for a quieter, more rural lifestyle, yet offers suburban conveniences. People may be moving to Vermillion County for its affordable housing, growing real estate market, and the appeal of a peaceful, community-oriented lifestyle.

County snapshot

Market context.

IN

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

Market areaTerre HauteMapped market area
Area code45460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Vermillion County

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

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