OH mortgage rates

Wayne County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Wayne County, Ohio. 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

Wayne 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 Wayne 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 Wayne

A local view of the market.

The real estate market in Wayne County, Ohio, has been experiencing growth, with the median home sold price reaching $233,100 in October 2024, marking an 8.4% increase from the previous year. This indicates a seller's market, where homes are selling relatively quickly and often above the asking price. Wayne County is home to several prominent cities, including Wooster, which is the largest city with a population of approximately 27,000. Other notable cities include Orrville and Rittman, which have populations of around 8,500 and 6,500, respectively. These cities contribute to the county's vibrant community and economic activities. Living in Wayne County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county is known for its agricultural production, which is a significant part of its economy. Many people are drawn to Wayne County for its peaceful rural lifestyle, affordable housing, and the opportunity to engage in farming or enjoy suburban life while being close to nature. The top industries include agriculture, manufacturing, and education, with migration patterns often driven by the desire for a quieter, more affordable living environment compared to urban areas.

County snapshot

Market context.

OH

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

Market areaWoosterMapped market area
Area code49300CBSA / MSA reference
Featured communityWoosterFrom the county record
Data year2026Aligned with this limit record
Wooster
Top cities & communities

Communities to explore.

Wooster
Questions & Answers

Refinancing in Wayne County

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

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