VA mortgage rates

Williamsburg City County

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

Williamsburg City 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$757,850
2 units$970,200
3 units$1,172,750
4 units$1,457,450

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 Williamsburg City 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 Williamsburg City

A local view of the market.

The real estate market in Williamsburg City, Virginia, is currently experiencing a seller's market, with the median home sold price reaching $506,833 in October 2024, reflecting a 10.8% increase from the previous year. The median price per square foot stands at $214, indicating a robust demand for housing in the area. Williamsburg City itself is the primary urban center in the county, with a population of approximately 15,000 residents. It is known for its historical significance and vibrant community life. The city is a hub for tourism and education, with the presence of the College of William & Mary contributing to its dynamic atmosphere. Living in Williamsburg City offers a blend of suburban and historical charm, appealing to those who appreciate a mix of modern amenities and rich cultural heritage. The area is predominantly suburban, with a strong emphasis on tourism, education, and healthcare as top industries. The county attracts new residents due to its historical attractions, quality educational institutions, and a strong sense of community, making it an appealing destination for families and retirees alike.

County snapshot

Market context.

VA

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

Market areaVirginia Beach-Norfolk-Newport NewsMapped market area
Area code47260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Williamsburg City County

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

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