IL mortgage rates

Jefferson County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Jefferson County, Illinois. 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

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

About Jefferson

A local view of the market.

Jefferson County, IL, has a stable real estate market, with median home values around $179,000 as of 2024. Known for its small-town atmosphere and affordable living, it appeals to families, retirees, and professionals in southern Illinois. Mount Vernon, the county seat, has a population of around 15,000, offering shops, dining, and various services. Other small towns like Bluford and Dix add to the area’s charm. Jefferson County is a mix of suburban and rural environments, with an economy based on healthcare, retail, and light manufacturing. Its affordability and suburban-rural mix make it a desirable area for those seeking balance between community and space.

County snapshot

Market context.

IL

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

Market areaMount VernonMapped market area
Area code34500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Jefferson County

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

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