NY mortgage rates

Jefferson County

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

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

About Jefferson

A local view of the market.

The real estate market in Jefferson County, New York, has seen a notable increase in home values over the past year. As of October 2024, the median sold price for homes in the county was $217,652, reflecting a 9.2% rise from the previous year. This increase indicates a growing demand and a stable market environment where prices are reasonable, and homes typically remain on the market for an average duration of 39 days. Jefferson County is home to several key cities, with Watertown being the largest and most prominent. Watertown serves as the county seat and has a population of approximately 25,000 residents. Other notable cities include Fort Drum, known for its military base, and Carthage, which has a population of around 3,500. These cities contribute significantly to the county's economic and cultural landscape. Living in Jefferson County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and the military, particularly due to the presence of Fort Drum. This diverse economic base attracts individuals and families seeking a quieter, community-oriented lifestyle away from the hustle and bustle of larger urban areas. The migration patterns often include people moving to the county for its affordable housing, scenic landscapes, and employment opportunities in its top industries.

County snapshot

Market context.

NY

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

Market areaWatertown-Fort DrumMapped market area
Area code48060CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Jefferson County

Common questions about 2026 loan limits and refinancing opportunities in New York.

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