FL mortgage rates

Volusia County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Volusia County, Florida. 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

Volusia 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 Volusia 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 Volusia

A local view of the market.

Volusia County, FL, has a robust real estate market, with median home values around $374,000 in 2024. Known for its Atlantic beaches, it attracts families, retirees, and tourists seeking coastal living. Daytona Beach, the largest city with around 75,000 residents, is famous for its motorsports and beaches, while Deltona and DeLand offer more suburban and historic options. Volusia County offers a coastal-urban lifestyle with an economy based on tourism, healthcare, and education. Its beach access, cultural events, and family-friendly communities make it popular among residents looking for a vibrant coastal atmosphere.

County snapshot

Market context.

FL

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

Market areaDeltona-Daytona Beach-Ormond BeachMapped market area
Area code19660CBSA / MSA reference
Featured communitiesDeLand · Port Orange · EdgewaterFrom the county record
Data year2026Aligned with this limit record
DeLandPort OrangeEdgewater
Top cities & communities

Communities to explore.

DeLandPort OrangeEdgewaterDeBaryDeltonaOrmond BeachDaytona BeachNew Smyrna Beach
Questions & Answers

Refinancing in Volusia County

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

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