FL mortgage rates

Duval County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Duval County, Florida. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Duval 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$580,750
2 units$743,450
3 units$898,700
4 units$1,116,850

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

View all Florida counties
Refinance Payment Estimate

Estimate Your Refinance in Duval 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
Get Free Rate Alerts

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Duval

A local view of the market.

Duval County, FL, has a dynamic real estate market, with median home values around $310,000 in 2024. Known for Jacksonville, the largest city in the county and the state, it attracts families, young professionals, and retirees. Jacksonville, with a population of nearly 950,000, offers urban amenities, waterfront living, and a strong job market. Duval County provides an urban-suburban mix with an economy based on healthcare, finance, logistics, and military sectors. Its diverse neighborhoods, beaches, and cultural scene make it popular among a wide range of residents seeking city amenities and coastal access.

County snapshot

Market context.

FL

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

Market areaJacksonvilleMapped market area
Area code27260CBSA / MSA reference
Featured communitiesJacksonville Beach · JacksonvilleFrom the county record
Data year2026Aligned with this limit record
Jacksonville BeachJacksonville
Top cities & communities

Communities to explore.

Jacksonville BeachJacksonville
Questions & Answers

Refinancing in Duval County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote