WI mortgage rates

Jefferson County

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

Jefferson County, Wisconsin, has a dynamic real estate market with a median listing home price of $355,000 as of October 2024, reflecting a 2.8% increase from the previous year. The county's real estate market is balanced, indicating a stable supply and demand, with homes typically selling for around the asking price. The top cities in Jefferson County include Watertown, with a population of approximately 23,861, making it the largest city in the county. Fort Atkinson follows with a population of 12,579, while Jefferson, the county seat, has around 7,973 residents. Lake Mills is another notable city, with a population of about 5,708. Living in Jefferson County offers a mix of rural and suburban experiences. The county is known for its rich agricultural heritage, with fertile soil and a strong agribusiness community. This rural character is complemented by suburban areas that provide a peaceful lifestyle with access to modern amenities. The top industries in the county include agriculture and manufacturing, attracting people seeking a balance between rural tranquility and suburban convenience.

County snapshot

Market context.

WI

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

Market areaWatertown-Fort AtkinsonMapped market area
Area code48020CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Jefferson County

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

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