IN mortgage rates

Washington County

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

Washington 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 Washington 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 Washington

A local view of the market.

The real estate market in Washington County, Indiana, is experiencing a shift with the median home list price at $179,900 as of October 2024, marking a 10% decrease from the previous month. This reflects a trend where prices have been adjusting, possibly due to changing demand dynamics within the county. Washington County includes several notable cities, with Salem being the largest, serving as the county seat. Salem has a population of approximately 6,300 residents, offering a small-town atmosphere with essential amenities. Another significant town is Pekin, known for its community events and rural charm, contributing to the county's overall appeal. Living in Washington County offers a predominantly rural lifestyle with some suburban elements, particularly around Salem. The county is characterized by its agricultural landscape, with farming being a key industry. This rural setting attracts individuals seeking a quieter, more spacious living environment, often moving from urban areas for a change of pace and lifestyle. The local economy is supported by agriculture, manufacturing, and small businesses, providing a balanced mix of employment opportunities.

County snapshot

Market context.

IN

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

Market areaLouisville/Jefferson CountyMapped market area
Area code31140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Washington County

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

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