VA mortgage rates

Washington County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Washington County, Virginia. 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, Virginia, has seen stability with a median home sold price of $275,000 as of October 2024, which remains unchanged from the previous year. The median price per square foot is $155, indicating a steady demand in the housing market. Washington County includes several notable cities, with Abingdon being the largest, boasting a population of approximately 8,000 residents. Other significant towns include Damascus and Glade Spring, each with populations around 800 and 1,500, respectively. These towns are known for their small-town charm and community-focused living. Living in Washington County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing and healthcare, attracting individuals seeking a quieter lifestyle with access to outdoor activities. The migration patterns suggest that people are moving to the area for its affordable housing and quality of life, making it an appealing destination for families and retirees.

County snapshot

Market context.

VA

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

Market areaKingsport-BristolMapped market area
Area code28700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Washington County

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

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