IN mortgage rates

Wells County

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

Wells 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 Wells 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 Wells

A local view of the market.

The real estate market in Wells County, Indiana, is currently characterized as a seller's market, with a median home sold price of $189,000 in October 2024. This represents a significant decrease of 31.3% from the previous month, indicating a volatile market where prices can fluctuate rapidly. Wells County includes several notable cities, with Bluffton being the largest. Bluffton serves as the county seat and is a hub for local government and commerce. Other important towns include Ossian and Markle, which contribute to the county's overall population and economic activities. Living in Wells County offers a blend of rural and suburban experiences. The county is known for its agricultural roots, with farming and agriculture being significant industries. This rural charm attracts individuals seeking a quieter lifestyle, while the suburban areas provide access to amenities and community activities. The county's appeal lies in its balance of rural tranquility and suburban convenience, drawing people who are looking for a change from urban environments.

County snapshot

Market context.

IN

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

Market areaBlufftonMapped market area
Area code14160CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wells County

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

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