IN mortgage rates

Vigo County

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

Vigo 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 Vigo 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 Vigo

A local view of the market.

The real estate market in Vigo County, Indiana, has seen significant growth, with the median home sold price reaching $143,000 in October 2024, marking a 14.2% increase from the previous year. The average home value in the county is approximately $151,808, reflecting a 5.3% rise over the past year. Vigo County is home to several notable cities, with Terre Haute being the largest, boasting a population of around 60,000 residents. Other significant cities include West Terre Haute and Seelyville, which contribute to the county's diverse urban landscape. Living in Vigo County offers a mix of rural and suburban experiences. The county is characterized by its agricultural backdrop, providing a serene rural lifestyle alongside suburban conveniences. Key industries include education, manufacturing, and healthcare, attracting individuals seeking employment opportunities. The county's affordable housing market and quality of life are appealing to those relocating from more urbanized areas.

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
Featured communityTerre HauteFrom the county record
Data year2026Aligned with this limit record
Terre Haute
Top cities & communities

Communities to explore.

Terre Haute
Questions & Answers

Refinancing in Vigo County

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

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