VA mortgage rates

Wise County

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

Wise 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 Wise 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 Wise

A local view of the market.

The real estate market in Wise County, Virginia, has seen significant changes recently. As of October 2024, the median home sold price in Wise County was $150,000, reflecting a 15.8% increase from the previous year. The average home value in the county is approximately $122,780, which has risen by 3.3% over the past year. This indicates a growing interest in the area, with homes selling for about $94 per square foot. Wise County is home to several notable cities, including Wise, Big Stone Gap, and Coeburn. Wise, the county seat, offers a small-town feel with a population of around 3,000 residents. Big Stone Gap, known for its rich cultural history, has a population of approximately 5,600. Coeburn, another key town, has about 2,000 residents, providing a close-knit community atmosphere. Living in Wise County offers a blend of rural and suburban experiences. The area is characterized by its scenic landscapes, making it ideal for those interested in agriculture and farming. The local economy is supported by industries such as education, healthcare, and retail trade. Wise County attracts individuals seeking a quieter lifestyle away from urban centers, with affordable housing options and a strong sense of community being significant draws for new residents.

County snapshot

Market context.

VA

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

Market areaBig Stone GapMapped market area
Area code13720CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Wise County

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

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