MI mortgage rates

Wexford County

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

Wexford 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 Wexford 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 Wexford

A local view of the market.

The real estate market in Wexford County, Michigan, has seen a notable increase in home values over the past year. As of October 2024, the median sold price for homes in the county was $223,250, reflecting a 10.5% increase from the previous year. This rise in home prices indicates a neutral market, where prices are reasonable, and homes typically remain on the market for a standard duration. Wexford County includes several key cities, with Cadillac being the largest and most prominent. Cadillac serves as the county seat and has a population of approximately 10,000 residents. Other notable cities include Manton and Mesick, which are smaller but contribute to the county's overall community and economic activities. Living in Wexford County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a rural charm, while suburban areas offer more modern conveniences. The top industries in the region include manufacturing, healthcare, and retail trade. People may be attracted to Wexford County for its affordable housing, natural beauty, and the opportunity for a quieter, more rural lifestyle compared to urban centers.

County snapshot

Market context.

MI

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

Market areaCadillacMapped market area
Area code15620CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wexford County

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

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