OH mortgage rates

Jefferson County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Jefferson County, Ohio. 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, Ohio, has seen a notable increase in home values over the past year. As of October 2024, the median home sold price was $139,800, representing a 10% increase from the previous year. The median price per square foot was $98, indicating a healthy market with homes selling at reasonable prices and staying on the market for an average of 74 days. Jefferson County is home to several key cities, with Steubenville being the largest, boasting a population of approximately 18,035. Other notable cities include Toronto with a population of 5,154, Wintersville with 3,646 residents, and Dillonvale with 3,290 people. Living in Jefferson County offers a mix of rural and suburban experiences. The county is characterized by its agricultural landscapes and suburban communities, providing a balance of quiet rural life and suburban convenience. The top industries include health care, retail trade, and manufacturing, which support the local economy. The area attracts residents due to its affordable housing, scenic landscapes, and proximity to larger urban centers, offering a peaceful lifestyle with access to urban amenities.

County snapshot

Market context.

OH

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

Market areaWeirton-SteubenvilleMapped market area
Area code48260CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Jefferson County

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

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