MI mortgage rates

Washtenaw County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Washtenaw County, Michigan. 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

Washtenaw 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 Washtenaw 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 Washtenaw

A local view of the market.

The real estate market in Washtenaw County, Michigan, is experiencing growth, with the median home sold price reaching $406,072 in October 2024, marking a 5.8% increase from the previous year. This trend indicates a seller's market, where home prices are generally higher and properties tend to sell faster. Washtenaw County includes several prominent cities such as Ann Arbor, Ypsilanti, and Saline. Ann Arbor, the largest city, is known for its vibrant community and is home to the University of Michigan, with a population of approximately 123,851. Ypsilanti, with a population of around 20,648, offers a diverse cultural scene, while Saline, known for its excellent schools, has a population of about 9,151. Living in Washtenaw County offers a mix of rural and suburban lifestyles. The county features agricultural areas and suburban neighborhoods, providing residents with a variety of living environments. The top industries include education, healthcare, and technology, attracting people for both employment opportunities and the quality of life. The county's proximity to Detroit and its strong educational institutions make it an attractive destination for families and professionals seeking a balanced lifestyle.

County snapshot

Market context.

MI

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

Market areaAnn ArborMapped market area
Area code11460CBSA / MSA reference
Featured communitiesYpsilanti · Ann ArborFrom the county record
Data year2026Aligned with this limit record
YpsilantiAnn Arbor
Top cities & communities

Communities to explore.

YpsilantiAnn Arbor
Questions & Answers

Refinancing in Washtenaw County

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

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