OR mortgage rates

Jackson County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Jackson County, Oregon. 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

Jackson 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 Jackson 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 Jackson

A local view of the market.

The real estate market in Jackson County, Oregon, is experiencing modest growth, with the average home value at $430,049, reflecting a 0.4% increase over the past year. Homes typically go pending in about 27 days, indicating a relatively active market. Jackson County is home to several notable cities, including Medford and Ashland. Medford, the largest city, has a population of approximately 82,000, serving as the economic and cultural hub of the region. Ashland, known for its vibrant arts scene and the annual Oregon Shakespeare Festival, has a population of around 21,000. Living in Jackson County offers a mix of rural and suburban experiences. The county is characterized by its agricultural landscape, with vineyards and farms dotting the countryside, while suburban life is centered around cities like Medford. Key industries include healthcare, education, and agriculture. The county attracts new residents due to its scenic beauty, outdoor recreational opportunities, and a relatively lower cost of living compared to larger urban areas.

County snapshot

Market context.

OR

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

Market areaMedfordMapped market area
Area code32780CBSA / MSA reference
Featured communitiesAshland · MedfordFrom the county record
Data year2026Aligned with this limit record
AshlandMedford
Top cities & communities

Communities to explore.

AshlandMedford
Questions & Answers

Refinancing in Jackson County

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

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